About ComenityReviews of about.comenity.net

Do yourself a favor; don’t open a credit card account with a company that uses Comenity as the financial institution. I received a notice last year that my annual interest rate was going from 32% to 39.99% annual interest rate. I closed my account so I could keep the interest rate at 32% (which was bad enough). I continue to make timely payments. To add insult to injury; I was just dinged by one of the credit card agencies for closing my account voluntarily. I guess it concerned the credit reporting agency.

I worked at Banter and had a comenity card since working there (2021-2025). I had never had any issues, until 2026. I had made a purchase at Zales, and kept getting charged "late fees." Payments were made on time and I always checked online just to make sure. The lady i spoke to today was rude and didn't understand my concerns. She finally understood after I explained why I was upset 5 times! I still work in customer service and would never act like that. She definitely didn't want to help. Seemed like I was just bothering her. Definitely not dealing with "Banter" or comenity again.

Rewards program for Ross Mastercard is just pure scam, can’t use it in store, it’s always “invalid rewards number”. They will advise you to call number on back of card, then associate will say no way to access rewards, will try to pass you to another number. So this thing is just a game of passing the bucket until you give up. Pure baloney!

Very unprofessional customer service, long wait times, difficult to understand the accent. Never got a statement to pay, then unexpected interest charges on account and ridiculous late fees. I took the card in Academy of Sports for a $20 purchase, ended up paying $200! Never going to Academy of Sports again! And this bank is like dealing with devil!

The service so bad! I don’t use card and I call cancel . The comenity charge me fee and fee later $73.32. That's ridiculous. The last time I call cancel . They haven’t done it. I feel so bad . I don’t like by Victoria’s Secret. I never use . I hope Victoria’s Secret contacts with the Comenity about balance.

I have an Ikea credit card through this company. I had a $1200-0% 12 month promotional plan and a $2700-0% 24 month promotional plan. I was making more than the minimal payment due to make sure the 12 month plan was paid off in time. But their system (nothing stated on the statements) splits the payment to pay towards both promo plans. So after 10 months of $1800 payments, I still had a balance of $590 on the 12 month promo plan. They stated you have to call every month and have a representative allocate the additional payments to the specific promo plan. After an hour on the phone, nothing was solved. I will be closing this account.

I wish I could give them negative 1,000 stars. Horrible service—'terrible' is the only word for it. Run away and never get involved with them. They charge nonsense interest and try to trick you with hidden terms.

Do not get a Lands' End credit card. You will regret it! They reduced my credit line over 80 % overnight and caused my credit score to drop significantly! Commenity Bank sucks! 0 stars!!!