About ComenityReviews of about.comenity.net

DO NOT open a credit card with this bank. I went to Ulta and got 20% off my purchase. If I opened a credit card with this company paid my bill the day arrived. However, the company waited until the day after the bill was due to deposit my check and then attempted to charge me a $33.50 late fee. I disputed and they took it down to six dollars because I threatened to chop up my credit card which I did anyway I am discovering this is a huge issue with many people – – the late fee on a zero balance credit card card. BEWARE

I had a terrible experience with Comenity Bank, and I would not recommend them to anyone. Their practices feel completely misleading and borderline fraudulent. I noticed unauthorized charges on my account, and when I contacted customer service, they were unhelpful and dismissive. Instead of resolving the issue, they kept transferring me between departments with no clear answers. It felt like they were intentionally avoiding taking responsibility. I setup a payment plan with them and the customer service lady told me my account will be cleared on March 2025. After 6 months I received a bill that I owed $199. I called them and they told me it’s a late fee because my remaining balance was $2.49 and I didn’t pay. March 10th I paid my statement balance in full and now today I checked my account it is showing late fee of $42. They are big fraud and keep charging you. Their billing system is confusing, and fees seem to appear out of nowhere. Even after making payments on time, I was hit with unexpected charges that were never properly explained. What’s most frustrating is the lack of transparency and accountability. A bank should provide security and trust, but my experience with Comenity has been the opposite. I strongly advise others to think twice before opening an account with them.

Borderline illegal, plus customer service tell you I made mistake so it is my fault , in the mean time they try to trick you I am really suggest to be careful getting credit card from this bank

If I could give them a zero I would. They closed my account without my knowledge as soon as I paid it off. They were no longer receiving interest from me so bang they decided to close my account. This not only hurts me financially but really screws you on credit scoring. I have filed a complaint with more than one agency about them!

This company is the worst. Their fraud system is so conservative they reject your card on any purchase. LOWES!!! I have had to get my card re-opened almost 20 times in 2026 alone because they keep declining it on every attempted purchase. $16.00 at my company cafeteria. Clearly these idiots don't really want to be in the banking business.

Customer Service can't change email. Someone used my email to set up their account and customer service can't remove MY email from THEIR account.

Predatory business practice. Ridiculous interest rates. Danger! They get away with robbing people and it is insane!! Beware!! I will never use the Kay Jewelers credit card again.

**Rewritten Version** I regret to say that my experience with the **Ulta** credit card issued by **Comenity Bank** has been extremely disappointing. I maintained this account for several years and had never been late on a payment. On January 30, 2026, I mailed a payment to reduce my account balance, as I routinely do every few years. By February 18, 2026, I was informed that the payment had not been received and that the account was considered late. I contacted Comenity Bank and advised their representative that I would place a stop payment on the original check and issue a replacement payment, as it appeared the original payment had been lost. The representative agreed this was the appropriate course of action. Despite this conversation, my account was not properly noted, and I was not provided with accurate guidance regarding the stop payment process. On February 27, 2026, the original check was returned due to the stop payment, a fee was assessed, and my account was subsequently closed. On March 9, 2026, Comenity Bank posted the replacement payment. Given standard mail and payment processing timelines, it is concerning that the replacement payment took nearly three weeks to be received and applied. Based on my professional background of over 21 years working in banking, I am troubled by how this situation was handled, including payment processing delays, the lack of clear communication, and the manner in which the account was closed. Additionally, my interactions with customer service representatives were consistently unprofessional and unhelpful. As a result of this experience, I would caution consumers to carefully consider the risks associated with store credit cards serviced by Comenity Bank, as issues such as unnecessary fees, poor customer service, and inadequate account handling may occur. They also were going to keep my over the hundred dollars credit and not me the check. Let's see how long it takes them to do that. I will be seeking a lawyer.