ComenityReviews of d.comenity.net

My Victoria's Secret credit card was previously converted to a Victoria's Secret MasterCard with Comenity/Bread. 35.99% APR for a MasterCard is ridiculous! If you use this card, make sure you pay off the balance each month.

I have the Bread Cashback card from Comenity. I claimed $76.41 of rewards on my account, to be transferred to my checking account within 10 business days. I noticed after a few weeks that the transfers had not come through. They were cancelled. I contacted customer service, and after 15 minutes of the phone tree and 30 minutes talking to representatives, they had no idea what had happened. They agreed to resubmit the transfer and said it would appear within 48 hours. A week later it has not. Rather than go through the phone thing again, I sent a secure message to which I received a non-answer asking me to please not cancel my account and suggesting I call. I am cancelling my account. They are clearly incompetent or fraudulent, and Citibank DoubleCash card is a valid alternative.

I can top that!!!!! I HAVE A JARED CC THREW COMENITY NOW I HAVE MANY CC WITH THIS COMPANY AND JUST RECENTLY THEY ARE INCARING FOR ANY OF THEIR GOOD CUSTOMERS!!!!! I am so BEYOND PISSED OFF I PAY ALL MY BILLS ON TIME AND MORE THAN MINIMUM!!!! I F PURCHASED 2 ITEMS FROM JARED FYI BOTH ITEMS DISAPPEARED FOR 3 MONTHS!!!! Mother’s Day was over! My mom did not get the beautiful EXPENSIVE PIECE I PURCHASED!!! AFTER 3 F MONTHS, and 2 days of on the phone from 9am-5pm STRAIGHT!!! And I saved ALL OF IT!!!!!! Which I am using when I take this horrific COMPANY TO COURT!!!!!! So, I THEN ALL OF A SUDDEN RECEIVED BOTH ITEMS GET THIS! One year I PAID $115/month NEVER EVER LATE!!!! Then I receive this THREATENING BS EMAIL SAYING IF I DO NOT PAY OFF MY PROMTIONAL PLAN; THEY WILL ADD ON: $1,000!!!!!!! My bill was: $3,500 I had $1,000 to go!!!!!! NOW F PUNISHING ME EVEN THOUGH I MADE MY PAYMENTS ON TIME MORE THAN MINIMUM MONTHLY NOW I AM TOLD I DID A PROMTIONAL PLAN I SAID BS!!!! I WOULD NEVER HAVE AGREED TO ANY PROMOTIONAL PLAN!!!! Ever! Then she started to say “ when you purchased the items, did the sales person not tell you… “ I SAID NO I BOUGHT ONLINE AS I TOLD YOU IT WAS THREE MONTHS NOTHING SHOWED DAMIT SO THEN SHE SAYS “ oh ok, yes well the CS REPS ON THE PHONE OR TEXT MESSAGE WOULD NOT HAVE TOLD YOU” I SAID I NEVER AGREED TO ANY PROMOTIONAL BS!!!! She said “didn’t you see it on your first bill” I SAID WHY WOULD I LOOK FOR THAT!!!!! I ALSO SAID I HAVE CANCER BEEN IN AND OUT OF HOSPITALS YET I MADE SURE MY BILLS WERE PAID ON TIME MONTHLY BY USING MY “WALLET” threw my bank THATS HOW I PAY MY BILLS SO NO I NEVER LOOKED FOR THAT BS I JUST MADE SURE PAYMENT MADE ON TIME AND HOW MUCH I OWE WHY WOULD I LOOK FOR SOMETHING I NEVER KNEW OR AGREED TOO I TOLD HER THIS IS STEELING THIS IS FRAUD YOU CANT DO THIS I HAVE CC WITH OTHER JEWELERS THEY NEVER DID THIS TO ME SHE SAID I HAVE TIL APRIL 4 or they are adding ANOTHER ANOTHER ANOTHER $1,000!!!!!!!! I mean I did not like Comenity/breadfinancial with my VS ACCOUNT AS CHARGING WAY WAY TOO MUCH IN INTEREST!!!! But this is out of control!!!!!!! This is the exactly like Synchrony!!!!!! Another UNTRUSTING CREDIT COMPANY I AM FIGHTING THESE BAD LYING UNTRUSTING COMPANIES I HAVE CALLED BBB FROM WHERE THEIR CORPORATION IS LOCATED THATS WHAT ALL OF YOU MUST DO! Always save all your bills!!!!! When you see something wrong: photocopy it: call them and record conversation along with any bs letter they send all of a sudden and contact BBB IN AREA THEIR CORPORATION IS THEY WILL INVESTIGATE ALSO NOTIFY EXPERIAN TRANSUNION AND THIRD ONE (can’t think of) make sure you keep all your documents online and on paper as very important I take photos of every bill every month now!!!!! So I can see if they are taking away my credit even though I pay on time and more than minimum Several shops/cc closed as went out of business Yet I had one threw SYNCHRONY!!! Another horrific cc company/bank Just look up Synchrony to see WTF THEY TRIED TO DO TO ME!!!!! Its called STEELING!!!!!!!!

I paid off my Ulta card so I knew I had a zero balance. So, I didn't open last month statement. I just opened this months statement and I have a 9.00 balance. They charged a 3.00 minimum charge for the last 2 mths and another 3.00 for a late charge. I have never been charged for carrying a zero balance on a credit card. When I contacted Ultra to see if they would credit my account for the "overcharge" (my word not Ulta's) they refused to help. Yes, it was only 9.00 but sometimes it's about the point not the money. I also know, I didn't read the 10 pages of small print they provide customer to look over while standing at the register. Oh well, I closed my account and I'll just keep my 3.00 every month.

Opened an Ulta credit card because they offered 20% off of my make up purchase. Paid first statement bill the day it was received. I got a new statement with a late fee of $33.50 claiming my payment was one day late. I called my bank because I was confused. My bank verified that my check arrived in PLENTY of time. BEWARE! Comenity held on to the payment for weeks and deposited late it to make it look like I was one day late to collect the $33.50. After an hour of phone calls, I got it reduced to six dollars but only when I threatened to chop up the card, I filed a complaint with my bank that verified they had sent out the check in plenty of time. I am seeing this is a common complaint that they try to make extra money by claiming your payment was late. Do not and I repeat DO NOT trust this company.

Be cautious with any store credit card issued by Comenity Bank. The credit card service quality is at the bottom of the bottom. Cheap flimsy plastic card without a built-in chip (World Market Credit Card), super early cut-off time (2 pm PST on due date), no limit on accumulation of late fees and interests if you’re not aware that happens due to the early cut-off time, and rigid, almost rude customer service training (Nichole, if captured correctly. She’s very good at selectively talking over and humiliating customers because she thinks she can just do it to you ). Don’t ever get into business with this bank. Comenity Bank should respect the due date on the day. A 2-pm PST cut-off time and no cap on accumulated late fees without a further shopping history and balance are unreasonable - is it even lawful? Chase Bank refunds late fees for payments made on the due date, regardless of time zone differences. Comenity Bank, the Bread Financials, should honor the Due Date as the Date in whole.

TORRID, AKA COMENITY BANK, AKA BREAD FINANCIAL, IS ABSOLUTE GARBAGE! HAVE BEEN SINCE DAY ONE, BACK IN 2021! NEVER IN MY LIFE HAS MY CREDIT CARD ACCT BEEN CLOSED FOR "INACTIVITY" (AFTER 3 MOS, MIND YOU!), NOT TO MENTION THE FACT I WAS NEVER EVEN CONTACTED! I WAS THEN TOLD THERE WAS NOTHING THEY COULD DO, BUT THAT I COULD GO AHEAD AND REAPPLY! I'M SURPRISED THEY DON'T HAVE CLASS ACTIONS COMING OUT THE WAZOO! NEVER PATRONIZING TORRID, OR ANY BUSINESSES RELATED TO COMMENITY/BREAD FINANCIAL, EVER AGAIN. GOOD RIDDANCE!

Comenity manages AAA Visa Signature credit card which is THE WORST CREDIT CARD I HAVE EVER HAD IN MY 50 YEARS OF USING CREDIT CARDS!!! Password never allowed me to access my account online and despite mutiple calls, customer service unable to fix problem. Spoke with supervisor Diana who was actually RUDE TO ME! Terrible experience! AVOID at all costs.