ComenityReviews of d.comenity.net

As of August 1, 2022 I just learned that Restoration Hardware has discontinued its RH Credit Card program. Restoration Hardware is switching over to TD BANK. That did not stop Comenity Bank billing me almost $300 for charges I never incurred! The last charges for goods at Restoration Hardware were in 2020! I called customer service of Comenity and Restoration Hardware who were kind enough to remove this spurious charge. CAVEAT EMPTOR: check your statements!! I received a bill dated 8/4/2022 seeking payment by 8/24/2022. When I did not pay as requested, they put me in arrears for charges I never incurred!!!! Fraud!! As a lawyer, to this community of consumers, you should all be aware of this shameful activity.

I received an interest charge on my account with no existing balance. Then, because I obviously wasn't expecting a balance on that particular card, a late fee and more interest was also applied to my account. I called the customer service line, and it literally hangs up on you right when it starts ringing, every time for over a month now!! I left a message on my online account also and still no response. This company seems very unethical! It's not worth opening an account! As soon as I can resolve this matter (hopefully), I will be closing the account indefinitely.

THE WORST CREDIT CARD COMPANY EVER. DO NOT OPEN AN NFL CARD WITH THEM OR I GUARNATEE YOU WILL BE SORRY. THEY CAN'T EVEN PROVIDE A WORKING WEBSITE TO MAKE PAYMENTS. BEEN OVER 2 MONTHS SINCE THEY BOUGHT OUT BARCLAYS AND THEY STILL DONT HAVE A WORKING WEBSITE.

As of Jan 2022. I am still waiting to be refunded for items returned within the return window from sept 2021. DO NOT APPLY FOR CREDIT CARDS ISSUED THROUGH COMENITY they are hustlers. Purchased some online items from New York and company. I sent the items back two months ago. After contacting them twice they cannot find the items so I contact Comenity to file a dispute for three transactions, because while NY&C didn’t exactly say they cannot find them each time I’ve called someone (Carl) was going to put m a request for the warehouse to check. At this point they should refund me, however, because they did not I have disputed these transactions in writing with Comenity bank per their online guidelines. Unfortunately, anytime I contacted Comenity using the online portal to inquire about my disputes they ALWAYS indicated their was no dispute or they simply never acknowledged a dispute was submitted and would only respond to certain parts of the email or ask me to call despite their guidelines indicating disputes must be filed in writing. As a result of them constantly replying in this manner, I filed the same disputes MULTIPLE times via the online security messaging center. After a couple weeks of the back and forth with Comenity I finally called to file the transaction disputes over the phone. I spoke with a rep who indicated she was a Sr. Acct manager and she would take and file the disputes over the phone on my behalf (despite having already submitted the disputes multiple times online as required per their guidelines). Oh I almost forgot prior to speaking with Vanessa the previous rep indicated she could see in the system that my disputes had been removed, which is strange because no one else ever acknowledged there were disputes filed. Anyway, the Sr. acct manager indicated that even though she filed my disputes there was no reference or confirmation # to be given, but rather I would receive a letter IN THE MAIL with all of my disputes details. As of this review, i have not been issued a temporary credit or confirmation items were disputed. As far as I am concerned Comenity Bank and New York and Company are actively participating in theft from cardholders. I am waiting for some evidence that the disputed transactions are actually being investigated by Comenity bank. In parallel while I await for time to pass so I can call Comenity for stsisbonky to have Comenity bank once again fail to acknowledge my disputes I have cancelled ALL Comenity bank credit cards, Victoria Secret’s, Ulta, Wayfair, Bed Bath & Beyond, because the mere thought of potentially dealing with Comenity bank ever again gives me nightmares on a ptsd level. This is seriously causing me tonhave health issues. I also cancelled my West Elm and Pottery Barn cards, but I think they may no longer be with Comenity bank. I will also file a complaint with my local attorney’s general office as well as the consumer financial protection bureau. Going forward I will not apply for any cards managed by Comenity bank and will discourage others whenever possible. In an effort to avoid such unethical banks I will have to check reviews and other things before applying for any credit card again…this alone give me anxiety. What an awful predicament.

Why is this bank involved with all retail stores. Beware this bank is in business of destroying American values and American made products. Why hasn't the FBI looked into them or IRS? Capitalism ia being given a black eye because of businesses like them.

This Bank is responsible for stealing $943 from me when I ordered a sectional sofa through them on overstock.com. I never received the merchandise and they kept the money and it’s been almost 2 months this bank won’t speak to me neither were overstocked. But there is a glimpse of hope I’m speaking with people from the attorney generals office and letting them know my experiences and they’re investigating their practices

I was financially affected due to covid19, and my accounts incurred late fees, I was offered a 6 month hardship plan at 10% apr, after 3 consecutive payments, on the 5th month my account would be credited the late fees. So I called to pay off my balance and they tell me they can only waive 1 late fee, that I have to pay my monthly payments to get all late fees credit back to my account. During this pandemic, I was able to see which creditors really appreciate a good paying customer and Synchrony is the worst in working with their customers. Will pay off all my accounts with Synchrony and close ALL and that’s many accounts I have with them, but I rather give my business to the other company’s who’s been More compassionate about this pandemic. Synchrony will never get a penny more after my accounts are paid off.

My spouse is military and we were stationed overseas for 3 years. Due to inactivity, the bank closed all three of my accounts- Victoria Secret, ExpressNext, and The Sterling Family of Jewelers, all without any notice. I have never been in default with any of these cards, never had any late payments, nothing. I only found out my cards were closed when I went to the mall with my daughter after moving back to the states and I tried to use them. They closed the accounts without notice or even an option for me to purchase something to keep them open. They closed the accounts, which hurts my credit score and if I reapply (which is what they enthusiastically encouraged me to do) it hurts my credit. I will never apply for any of their credit cards again. They should have this information stated somewhere that "even though your account is in good standing and you have never done anything wrong for us to close your account, if you don't utilize your credit card while you are stationed overseas because of military obligations, your account will close without notice!"