ComenityReviews of d.comenity.net

Thievery. I had a promotional balance on this card in addition to a revolving balance. Prior to the expiration of the promo plan, I paid off the balance, but behind the scene, the bank took part of my payment, applied it to my revolving balance and told me that I in fact did not pay off the promo balance before it expired. They proceeded to back-charge me all of the deferred interest DESPITE ME HAVING MADE A PAYMENT EQUAL TO THE PROMOTIONAL BALANCE! I fought them on it over the phone, I disputed the balance in writing through the mail and they dug their heels in refusing to do anything. How they choose to breakdown payments on their end should be transparent and it’s not.

This bank had been fair with me during my health issues and hospitalizations over the past two years. I feel that they have fairly increased my credit line. My problem is the hold that they put on large payments. As a Christmas gift, and in celebration of being well again, I decided to redo my dining area. I had a budget for what i wanted to spend and visited several stores and websites. I decided on Wayfair for two major purchases due to the flash sale after Christmas. I made a large payment to cover the cost of the to items I wanted to purchase. The payment posted and cleared my bank account but my purchase still failed to go through. I contacted customer service and was told it would be five days before my credit would become available due to the size if the payment. This wasn't a mail in payment. Even if it were, in the day of ACH transactions, that's ridiculous. If I just wanted to make random payments I would have done it long ago to avoid late payments when I was sick. I have been a customer for almost 8 years and never had a returned payment. The bottom line is that although Wayfair generously offered me a guaranteed price for my items, when and if Comenity releases my funds, chances are that the items will be sold out due to the sale. I have already chosen accessories such add drapes etc to match my theme and I am afraid I will have to start over from scratch. Not to mention, attempting to schedule time away from work in order to properly install everything. Had I known this, I probably would have gone with another seller.

I have 3 different accounts with this company New York & Company, Victoria Secret, & IKEA. I am now having issues with the 3rd account with IKEA where website is down constantly typically on the weekends like the highway construction in large cities. This is such an inconvenience every time since I do not work weekends. If I receive a letter about my account on the weekend I expect to be able to follow up and see what is going on with my account online. I had to call and complain about this over the phone with customer service. I did not want to receive a late or return fee since the card I placed on file was not sufficient enough to stay on auto pay. I hate that this company does not provide a simple auto pay set up. Purposely to get you to forget about your account and pay added fees. I do not like that about this card company. Site down should not affect paying customers, this is business. I will make sure to close these accounts and stop shopping at these companies because of this issue. I am sure others will follow when they realize this constant problem too.