About ComenityReviews of about.comenity.net

If I could give negative stars I would. I have sephora and ulta cards and I have always paid on time and the full statement balance. Around May 2022 commenity stopped reporting to credit bureaus and here we are in November and its still showing my cards as maxed when they are always paid in full and currently at $0. I saw many others with this problem and its affecting our credit scores and credit usage. I filed a complaint with CFPB and Commenity contacted me saying yes we stopped reporting due to a system update and will be reporting in possibly two billing cycles. Right after that, I got a letter from commenity saying they lowered my Sephora credit card from $500 to $100 due to credit score drop and high credit usage. This is a super shady company and I would seriously avoid any credit card with commenity. I have done the right thing to build credit and have been punished with hurt credit! I shop at ulta and sephora a lot and wanted to build credit while doing so. Its completely unsettling that they would allow this to go on for so long, hurting peoples credit which is so important today, Then the cherry on top is lowering my credit amount when Ive been a great customer! Very untrustworthy bank.

BOA sold my AAA account to this company....I have never gotten a statement from them, nor can I access the website due to IT troubles, I was told I can pay over the phone, free...but I know that it's not true.... CSR is a horrible joke, they need training.....Since Oct 17th, I have talked with 13 service reps and 4 "Senior Accounts Reps"...they do not have call reference numbers for the calls, the date and time is considered to be the reference number, so write that information down.....CSR's are supposed to give you their employee id when requested.....when they don't, I tell them that I know that this is not the truth as Senior Accts Reps, Robin, Kendra, Danielle, and Omar have all told me that the CSR's are supposed to give you their ID upon request.....when transferring, if you get "dead air" you are NOT being transferred, they have muted you and placed you on hold, then you will be royally cut off....I have told them that I was an operator with 30+ years of service and I know the difference....I do report them to the Senior Reps and tell them that this is WHY the bank has such poor reviews and that they are losing customers....their CSR's need training....and need it desperately.....I have had AAA with BOA for over 10 years and intend on paying this account off within the week....I never had this type of poor customer service with BOA and it's very hard to even imagine Comenity Capital Bank will be a good company to keep.....their CSR's give a very poor reflection of what this company is supposed to be.....if you are told that they will expedite/overnight a credit card....don't believe it.....Per Robin, she said they were told not to overnight due to systems being back logged....a different CSR sent my husband 2 cards in his name, I'm still waiting on my card and on a statement.....REPORT the CSR's....Today is November 9, 2022.....I got "Tas" on the line...spell it for me please...."uh, T-A-D" with a question in his voice....yeah...well Tad, I need the physical mailing address in Carrollton to FedEx my payment to.....did not know what I was talking about and put me on Hold....their usual procedure when they don't know the answer, refuse to get a Senior Accts Rep, or don't want to help....I next get Fernando who actually knew what I was talking about.....If you need to pay off/on your account.....their mailing address is POB 650967, Dallas, Texas, 75265-0967.... My credit union "strongly suggested" I get their physical address and FedEx it there...that address is Deluxe Remittance Processing Attention: Lock Box X 3000 Kellway Drive Suite 120 Carrollton, Texas, 75006

Don't walk RUN from this company! Worse Credit card company ever! My Christopher Banks card changed to a Comenity Bank MC. Offer that came with it was 90 days from activation spend $500 receive $100 bonus offer. I called and confirmed two different times that I had this card for awhile but never activated is this offer still good. Both times I was told yes. Now that I have my first statement I have called for two weeks talking to 15 plus employee a different story with each one. Just to name a few we didn't have that offer, We had a system update in July not everything is showing, to no you don't get that offer. Today I will be opening a case with the BBB plus will file consumer complaints with other sites

A vacation account was opened in my name without my permission. When I attempted to escalate the issue and file a formal complaint, the escalation team representative said that when you give someone your driver's license, that authorizes that individual to open any line of credit in your name regardless of whether you want it or not. I have given my driver's license to the saleswoman at a timeshare to verify my identity and repeatedly said at the meeting that I was declining the offer to make a purchase. Comenity Bank said it didn't matter if I wanted it or not, they were allowed to apply for AND open a line of credit in my name because it was in the "fine print". I didn't receive any paperwork with "fine print" because I never authorized it in the first place. The rep with Comenity Bank admitted that everything is done electronically meaning they never actually knew for a fact that I had signed any paperwork with this so called fine print (which I did not), but she repeatedly insisted that if I gave them my driver's license for any reason at all, that opening the line was completely legal. "This was done over a year ago, so what does it matter?" Do not do business with this bank - once they have your information, it is clear that they believe that it is legal to do whatever they want with it.

A SUPERVISOR GUY CALLED ERICK(BECAUSE OF HIS VOICE AND WAY TO TALK, HE SPEAK LIKE A NEW YOUNG GUY AT THE COMPANY OR DADDYS BUSINESS, MAYBE 25 YEARS OLD). HE WAS LAUGHING ON MY FACE, ME TRYING TO DO PAYMENTS TRYING TO AVOID LATE FEES, AT FIRST I CALL THEM TO SEE WHAT OPTION DO I HAVE BUT THE REPRESENTATIVE(A GIRL DOESN'T KNOW WHERE SHE'S AT) SHE DIDNT KNOW WHAT TO DO, SO I REQUESTED SUPERVISOR, I ASK HIM TO IDENTIFY HIMSELF AND SAY HIS NAME IS ERICK, I ASKED FOR ID, HE SAY OKOK ITS UHMM.. LIKE THINKING ANY NUMBER HE SAID:.. UHMM.. I DONT KNOW 12 THINKING UHMM... 80 90, AND I CAN HEAR THE GIRL LAUGHING AT THE BACKGROUND NOISE AS HE DOES IT TOO. VERY UNPROFFESIONAL MAYBE HE WAS FLIRTING AND WANT TO SHOW HER THE POWER AS SUPERVISOR HE CAN DO WHATEVER HE WANT, I EXPLAINED, I LOST MY JOB AND I WAS CALLING TO SEE WHAT OTHER OPTIONS I CAN DO BEFORE LATE PAYMENTS FEES COME BECAUSE I WONT BE ABLE TO DO THE NEXT PAYMENT ON TIME, I WANT TO AVOID THE LATE FEE , SO HE TOLD ME: OK YOU CAN PAY NOW 50 THEN NEXT WEEK 30 THEN 20 THEN ANOTHER 50, THEN THE GIRL LAUGH HARDER AND HE SHH.. HER. I ASK HIM TO HELP ME BECAUSE LOST MY JOB, AND HAVE NO MONEY BY NOW, SO HE SAID SO WHAT? YOU DONT HAVE 50 OR 30 OR 20 DOLLARS IN YOUR BANK ACCOUNT ARE YOU SERIOUS??. I KEPT QUIET, I DIDNT KNOW WHAT TO SAY, I FELT IMPOTENCE ON HOW TO REACT BEFORE THIS. HE REPLY: HELLOOO??... HE MAKE ME FEEL VERY UNCONFORTABLE, ABOUT THIS SITUATION. I HANGED UP THE CALL. ANYWAY I HAD TO PAY THEIR EXPENSIVES FEES, BY NOW I JUST WANT TO FINISH PAY THEIR CREDIT CARD AND CLOSE THE ACCOUNT. I WON'T FORGET WHEN SOMEONE MENTION ABOUT COMENITY BANK AND THEIR CUSTOMER SERVICE.

What a joke these people are! Lowered my credit limit after making perfect payments and additional payments every month! Stay away from this company!

This is the worse credit card company ever. I got involved with them through a timeshare and it was the biggest mistake of my life. I never receive a physical card from them. They reported to the credit reporting agencies two days after a missed payment. After I paid off the card, it had been 4.5 months and they still have not updated my credit report. They claimed that their system is having a problem for the last 4 months.

I HATE THIS COMPANY AN IT'S REALLY NUTS FOR THEM NOT TO ANSWER BEEN ON HOLD FOR 4 WEEKS NOW LITERALLY EVERYDAY I CALL THESE MFRS JUST TO REPORT MY CARD STOLEN THEN FOR THEM TO TELL ME I HAVE TO WAIT FOR A SUPERVISOR TO CALL ME! SICK OF IT