About ComenityReviews of about.comenity.net

I paid off IN FULL and CLOSED my account with Comenity Bank on March 20th (Salon Centric Credit Card to be exact) and received a new bill for an additional $45 today 4/23 for late fees as well as additional fees applied to my closed account. I do not understand how I have late fees on an account I closed over a full billing cycle before getting said fees. I even have the paperwork FROM COMINITY dated 3/20 that states 'Congratulations your account is paid in full' dated the day I closed the account. When I called to remedy the situation I was hung up on numerous times. I was threatened with being sent to collections by numerous very dismissive representatives if I did not pay. I finally had to end up paying these additional BS fees just to keep them from damaging my credit. STAY FAR AWAY FROM THIS PREDATORY CARD!!!!

Comenity bank is the worst bank I've ever experienced. They will pretend to take your payment and then never update you that they don't accept that Bank (which everyone else accepts this Bank) and then when you go to make your payment 30 days later they will notify you that you now have a 30-day late and they have reported it to your credit. They have the worst customer service experience and take zero responsibility for anything they've done wrong. Anytime I would try to make a payment on my credit card they would pretend that everything was fine just to not process the amount later so that they can steal $41 from you for a "payment return fee." this company is an absolute scam and I wish I had never open an account with them. Do yourself a favor and stay far far away or close your account now before they ruin your credit.

I wish I can review with (-) This is by far the worst bank I have ever dealt with in my life. Comenity Bank operates in a way that feels completely predatory—they seem to hunt for any small mistake or unclear process just to hit you with extra fees. It honestly feels like they’re setting customers up to fail. Their customer service is unbelievably bad. Every interaction is frustrating, unhelpful, and leaves you feeling like they simply don’t care. Compared to any other financial institution I’ve used, this has been a complete nightmare. There’s no transparency, no accountability, and absolutely no effort to resolve issues fairly. I’ve reached a point where I refuse to deal with them any longer. I’ve closed all my accounts associated with them, including Sephora, Value City Furniture, and The RoomPlace, just to avoid ever dealing with this bank again. If you’re considering opening an account with them—don’t. Save yourself the stress, the money, and the headache. Stay far away from this company.

Terrible interest rate and no flexibility in customer service to make things right.

Charged me fees on top of more fees AFTER I paid my account balance to 0, then proceeded to harass me multiple times a day until I paid their garbage fees

I applied online for a Comenity bank AAA card. The social security # that they received from the application was either inaccurately entered by me or list in the application process. My application was rejected and a hard inquiry was posted to my credit with no accurate social security number. I contacted community bank and found this out and asked what we could do to get it corrected. Not only did they tell me there was nothing, they could do to move forward.And approve my application, but they could not remove the hard inquiry off my credit even though they sent me a letter saying they could not verify my identity. I ended up being hung up on three times up on being forwarded to a supervisor from Comenity bank. It appears as though i'm going to be stuck with the hard inquiry on my credit and I will never do business with Comenity bank.

Terrible customer service. I paid my bills on time for over a decade but was late just 2 days with a balance of only $100 and they charged me a $30 late fee. When i called them they said they would remove it since i was a good customer always paying on time. Then the next month they put it back on my bill and when i called them they said it could not be removed. I will never do business with them again because i do not do business with liars. You also have to watch your bill close as they will stick charges on it that do not belong. Beware. They are a very bad banking business.

Terrible customer service & professionalism. Punish you via suspension if you make a payment early & more than the minimum due. I didn't have a payment due until May but decided to pay early & above the minimum payment amount. For several days, my ACH payment wouldn't come out after trying several times to process a debit card payment online. So I called the IVR & authorized an ACH payment. I waited several days & the funds did not come out so I called the customer service line & made a debit payment through them & was assured the ACH payment would be cancelled & I wouldn't be charged twice. Thinking everything was fine as the debit card payment went through, I didn't add additional funds to that account. The ACH payment was not cancelled & didn't go through as I don't transfer funds to that account unless I have an upcoming bill. I called the customer service line & escalated all the way to the top tier of customer service named Kathy who assured me that she had no supervisor. Since I decided to be proactive & pay early, I was punished & now have to make three months of consecutive payments before my account will be unsuspended despite my first payment not even being due until May & I paid double the minimum payment of my own accord after numerous attempts to make the payment in three different ways. They have no way to lift the suspension despite receiving payment. Beware their policy on new accounts & returned payments even if they received a payment.