About ComenityReviews of about.comenity.net

Don't call the customer service line they obviously don't know what they're doing!! I've had a card with them for awhile, they sent me a new card (which I didn't request). I never activated the new card. The card was misplaced (my 3 year old got ahold of it) which was fine being I never activated it. So I call the customer service line to have them send me their "new cards". I told the lady on the phone that the card they just sent me was misplaced and that I had my original card and I would use that one. She asked if the card was lost or stolen, I told her no it is somewhere in the house I just can't find it. She said she would send me another card, and I asked her if my original card would still work to make purchases. She told me yes it should work just fine being you never activated the card we just sent you in the mail . I go to the store, spend time shopping, then go to use my card, my original card, the one she just said would work just fine, and it was declined!!! I called customer service again and asked them what the hell was going on and they told me she canceled my cards and reported them lost or stolen even though I told her it was misplaced in my house somewhere and I just need a new one sent. And now I can't do Christmas shopping because my account was canceled when it shouldn't have been and I have to wait 2 weeks to get this "new card". There's no way for them to uncancel my original card even when I never asked for it to be canceled in the first place. Worst bank ever!!! I would give 0 stars if possible!!!!!

Comenity bank is horrible. They dropped my limit leaving my overlimit. Then after I was 500 under new limit dropped it again. As a result of them changing my limit my credit scores dropped. Their reason had nothing to do with their account but the fact i was carrying balances on my other credit cards. I was carrying balances as a result of the Corona virus.

This company is absolutely terrible. I used a promotion on their Room Place credit card. They gave me a payment due date that was 7 days later than the promotional end date. A slight overlook on my part. I had set up paperless billing and automatic payments so I did not realize that issue until I received another bill for the following month. The interest charge was almost $300. I apologized for the oversight and asked if they could waive the fee, but I was told they would not do it. I have been a loyal customer for several years and have always made my payments on time. Here is an opportunity for them to show loyal consideration and mercy to their customer and they out right refused to help. I would NOT recommend anyone use this company and I will no longer use their card again.

I applied for this credit card on the Wayfair website. Made payments on time, each month. Then in September they announced that they closed my account, because Wayfair doesn’t work with them anymore. Good for Wayfair! Then in September I had financial difficulties because of this stupid pandemic time, and instead of making payment on 10th and made payment on 15th but I paid off my balance completely, it was $ 0. When they sent me a bill for $33 late fee, I called them I asked to remove that fee, because I made my previous payments on time, and I paid off my balance. I asked them why you charge fees on the account that currently has 0 and it’s closed??! And I simply wasn’t able to pay it on time I had financial difficulties. They didn’t agree with that, I was super angry because in any other bank they would agree that it’s the case there to remove late fee is appropriate but they didn’t. I wasn’t able to made that payment unfortunately. In December they sent me $68, so they added one more late fee. But thanks God I was table to pay it in December! I hope they will choke with these money. It’s an evil company. And btw their automatic payment systems needs many improvements.

This company charged me late fees even when I paid on time. I spent an entire week on the phone with them trying to get the situation absolved. Still ended up paying cause I didn’t want to deal with derogatory marks on my credit. Then 6 months after I paid off the card and their bogus fees, they closed the account on me without warning, gave me a negative impression on my credit, and then sent me to a number that basically told me to go screw myself and hung up on me. You might as well go stick your hand in a wood chipper as it would do more good than asking these folks to be decent.

I’ve been a loyal customer to Comenity bank but you haven’t been loyal to me. I regret ever doing business with you. You’re like a snake oil salesmen who continues to get by with your criminal behavior with customers. I have cried over the torture you have put me through making my credit score plummet when I was paying on time never missed a payment and end the end you screwed me. I feel like go ahead and sue me because you can’t garnish my wages as I’m on SSI

I have had the worst experience with Comenity Bank via Wayfair. The bank does not accept Credit or Debit as a form of payment - absurd, I'm aware. Not only that, if you do enter your account information, they accept it and reach out to you WEEKS LATER saying that they didn't get the payment and hit you with a $30 fee. It's been 3 weeks of non-stop waste of my time trying to get Comenity to fix this or get updates in a decent manner Do yourself a favor and stay away!

Comenity is the most heartless and greedy bank in America, notwithstanding, in the time of COVID. In spite of my pleas, they refused to to waive interest of more than 311 dollars on my remaining 545 special finance purchase I made with Wayfair, even though I have been making payments that could have covered the special finance purchases, instead they have applied those payments to my regular purchases.They are devoid of any consideration at all, they only see customers/you as numbers instead of a person.