About ComenityReviews of about.comenity.net

Wont stop spamming my phone, I have never been to comenity bank.

Got a AAA Visa card from Comenity. It says I get 5% on gas purchases. Then realized I'm only getting 1% when I buy gas at BJ's Fuel. BJ's Fuel is obviously a gas station and is entirely separate from the store. I understand that if the offer applied to groceries they wouldn't know if I bought groceries or something else in the store but from BJ's Fuel I could only be buying gasoline, same as any other gas station. They paid me 1% instead of 5%. What a rip off and misrepresentation.

Worst customer service- worst service overall. If you can close this account, the better. If you want to try it, don't. First, I can't get into my account- they did nothing. Out of my account on delinquent twice, even if already paid. Their agents are completely useless and lack quality service.

Comenity Bank (Bread Financial) not a good company in terms of obtaining a credit card. I have them with the Caesars Rewards Prestige. I have a $29,000 credit limit of which I pay off 100% monthly. Yet every purchase I make over a few thousand dollars gets declined. Prestige card waives cash advance fees, yet limits me to $600 a day as if I were a child. Not worth the additional fee if you need a cc for large purchases.

I have had an express comenity credit card since 2021 and I decided to apply for a Saks Mastercard on 4-22-2026. I was approved with a credit limit of $16,000 and I called to update the mailing address on my account. That is when I started having issues and was treated poorly with their account protection team. I had already emailed my drivers license and utility bill that verified my identity. The agents were unprofessional, rude, disrespectful, yelled at me, and hung up in my face. I called on 4-29-2026 to see if they received a bank statement with my updated address on it and they said that they closed my account. So I emailed the president and executive team to inform them of what had transpired. I received a call on 4-29-2026 from the fraud operations director Merrick Austin he said that he had my accounts re opened and they where never supposed to have been closed. He told me that several agents handled my accounts wrong and he apologized for how I was treated by the agents. I called to verify if both of my accounts where back open and saxs Mastercard customer service said there was a restriction on my account saying that I can't be serviced over the phone with a agent due to interactions with previous agents. So I emailed Merrick Austin and left him a voicemail on 4-30-2026 & 5-1-2026. He ignored my emails and never responded to me. So I googled the president Ralph Andretta information and found his phone numbers. I didn’t know that the number I called was his cell phone number and he answered the phone and I asked if he was still the president. When he said yes I told him that I needed help with my Saks Mastercard account. He assured me that he would have someone reach out to me today to help me. I received a call not even a hour later from bread financials attorney named: Zachery Miller he told me that he was calling to help me. I thought that it was wierd that their attorney called me and not a supervisor in customer service. He said that he would be contacting Saks Mastercard and tell them that the restriction need to be removed. I waited a few hours and called the customer service number from my work phone number and my accounts were closed AGAIN. I called the attorney back and he said the president was mad because I called his cellphone. So he had both of my accounts closed. This entire company is horrible and need to be closed down asap! I told the attorney I know that he lied about trying to help me and that I’m going to sue them for discriminatory acts per the fcra! I literally was reaching out to the president for HELP and he closed my accounts due to me calling his cellphone number today! All of their emails and phone numbers are in public records. He was supposed to help me with my accounts not play games and close them!

I am a new client to Comenity/Bread (Lexus Signature Visa). They suspended my card for paying it off! $7000 limit, made a $5890 purchase. As soon as I was able I paid it off, and then they locked my card. No notice, account shows available credit, not able to use my card. I made several complaints and even complained to Lexus. This is the worst customer service I have ever experienced. No one wanted to help. I strongly advise against doing business with this company!

Comenity bank is one of the worst banks ever. These idiots change the criteria for password without telling you they did that and now you can't login. You morons should let people know these things. Now I changed the password and still can't login.

Comenity bank isn't fair to first time late payers. I had two deaths in my family two days apart and overlooked my payment. Mind you I always pay early but my heart was broken causing me to forget. It was a one time mistake. I paid my account in full and asked for the fee to be waived since it's literally the only time in years that has happened. I was not eligible. So I'll pay the $30 and I'll close the account. Evidently money is more important than long time good paying customers. Also their customer service sucked on another account with Comenity. Literally no help at all to resolve an issue that should have been so simple to handle.