Comenity Bank Reviews

Comenity Bank, located online at Comenity.net, is a financial institution that provides the backing of many different store and brand credit cards and credit accounts.
According to their website, the goal of Comenity and their two subsidiaries, Comenity Bank and Comenity Capital Bank, is to make the shopping experience of consumers better.
Consumers who choose store credit cards and credit accounts do so because they love that retailer, but their incentive for keeping the card comes from the benefits they receive from being an account holder.
Comenity Bank says they work with many of the nation’s most popular places to shop to create credit programs for their customers which help keep their customers happy and loyal to their brand.
In pursuing this goal, they have successful backed over 28 million store credit cards or accounts, and their website says they continue to work hard to make sure their credit programs are clear, easy to use, and easy to manage.
If you have a Comenity backed account, you can use their website to manage your account, as well as utilize the other helpful tools available on their website for your own personal benefit.
They provide articles which address financial health, both from the angle of providing their customers with general tips and guidelines for promoting good finance and more specific articles that focus on having and maintaining good credit.
Customers who have issues, questions, or complaints can contact Comenity Bank directly at one of their customer service phone numbers, depending on the nature of the issue they are seeking help with.
You can also contact the company by mail at their address in Columbus, OH or with a simple email submission directly through their website if your issue is not urgent and you have no need to speak to someone directly.
If you have any experience with Comenity Bank or their services, please leave your reviews below.
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Comenity Bank Customer Reviews
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Comenity Bank
Terrible at best. I received a bill from 10 years ago that was payed ten tears ago. Comenity bank states that I am 4 months late on payments, but how can that be from a charge that was paid 10 years ago. Insane!!
Jim D
WATCH OUT and RUN away from it
Deserves a negative star.
Charged me $10.65 interest on May-11 for a purchase I made on May-5 while I still have negative balance of $300 (a $300 refund from previous purchase).
Use Comenity if you are BRAVE enough, so tired of arguing with them every month. Yes, they gives you headache at every month. Just when you are tired, they got a BIG piece of you without knowing it. It is not even qualified a legit bank to start with!!
Took my payment and will not mark it as paid off
Worst business practices
I have paid my bill consistently online and before the due date. They have no record of the payments and do not want to discuss it with me. I have tried to talk to their customer service but I could not understand a word they said. They finally hung up on me. I have told them I will not make another payment until they straighten out my account. Now I am receiving 15 to 20 calls a day. I have tried to answer them, but I can't understand a word they say. Now I have blocked them, but calls still come through so now I just decline them. Most annoying.
They are doing the same to me! They are a scam.
Bunch of crooks!
If there were a place for negative stars I would have hit it. No matter how early I send my checks, they will call it late just so they can tack on ridiculous late fees and interest charges. When I called, they were totally unworkable. 3-5 business days is the standard for most companies to receive their payment.
Not Comenity. They want a full two weeks to 16 days. Then they told me I should use auto pay or online payment. That’s my choice and I will not be forced into it. Crooks! I’m looking for them to fold in the next year or so.
If you get offers for their card from your retailer, run away as fast as you can and tear up any literature in the mail. Plenty of other reputable cards to choose from. I’m warning you from my own frustrating experience.
I have the exact same problem with Comenity bank. My payment was due on 4/2/23, I sent my payment on 3/21/23 , this bank claims they received the payment on 4/3/23. so they get to charge the late fee and interest. I called them , their answer is to check before due date to make sure the payment is in.
A rogue "credit card provider"
Comenity bank is so tricky!!!!!
They offered a promise for further discount when I applied for a Petco card, not only did the discount not show up in the final payment amount or the initial statement, but they charged the wrong amount for my online purchase.
When I paid only the correct amount and contacted them many times to explain and requested correction, they simply refused to correct it, saying the merchant credited back to me in February, but I owed them in December, therefore all the late fees and interest charges I still need to pay, even though I had already cancelled the card.
They made a $8.19 payment difference to become $38 more, and they reported me to credit bureaus.
After I gave up and decided to pay, the representative told me the credit card I provided didn't work. So I sent in $38.57 to their specified address on Feb. 24th, I have not heard back from them. Then I received another statement today, accumulating more late fees and interests. I checked my bank check status, it is "pending" as of today. This is so frustrating!!!
they did me the same way, no statements for 6 months and then one only for interest and late fees. They are doing me the same way.
Watch for payment increases without your knowledge.
They financed my hearing aids. Gave me a payment amount and I set it for autopay. Without any prior notice they increased my payment amount. When the auto-payment was short I was hit with late fees. They charged $40 per month for 3 months before I looked at the statement. I asked for a credit they only returned $40. There should be a penalty for them.
No relief if you are charged fraudulent charges.
This bank does not expedite credit fraud investigation reported by credit card owners. They have taken 4 months on my credit investigation and instead of investigating in a timely manner they kept charging me for the disputed charges and late fees, reduced my credit limit from $5,000 to $750. My original dispute investigation is still not resolved. BTW I was fraudulently charged on another card for similar charges from similar vendor and that bank resolved it immediately! I did get a new card as requested but still no settlement of fraudulent charges.
Do Not Use This Bank!
I only have a credit line of $300. I payed this account down to a zero balance and made NO PURCHASES after the balance was paid. I was shocked to receive a text reporting delinquency of 3 months. Once customer service was contacted I was told that I was 3 months behind on payments for interest and LATE FEES after a zero balance. WTH????? The late fees were removed and I payed the $12 in interest. As a travel nurse making exceptional income, I will NEVER use this card again nor will I accept a credit line increase.
WORST BANK EVER!!!!!!!!!
This company is a complete rip off!!!!
Do Not Use...
Think before you renew AAA membership
That one star is really a zero! I'm 70, I was self employed for 35 years. I know how to treat customers, and how I want to be treated. I've had AAA Visa for 21 years, until today, you all know the problems. I have been a member of AAA for 30 years.
I feel AAA did me wrong by turning the credit card over to such a poorly run, and understaffed bank. They had to know but didn't care because I'm sure palms were greased, and greed took over. I'm sorry I renewed my membership several months ago, but after 34 years of membership, it won't happen again, they caused our problems.
Shady business practices
Zero Stars
If I could give zero stars I would! My interactions with them have been nightmares. Long wait times, talking to 2 different people and getting 2 different stories. They made a huge error posting my over the phone payment, leaving me with $30 available credit. My payment was over their electronic payment threshold. Charged me a late fee, interest, returned check fee, $9 service charge (which I was not informed of) and sent my credit rating from Excellent to Good. I had to fight to get them to refund all fees and interest, and the interest is still shown on this month's bill.
After using this card for a year, my rewards value is $1.12, because none of my points from BoA have carried over yet. Plus, they took away the extra value reward for using your rewards for a payment voucher when booking a trip through AAA.
I have been asked by a AAA representative to please keep using the card. Well, I've thought about it and no I will not use this card.
Finally, their customer service representatives were terrible. They did not even try to help me and left me with $30 credit for 3 days!
AAA transfer of credit card to new bank service
Stay Away From Comenity Bank
Very shady practices. Looks like they are there to get you in an endless loop to rip you off. A $39 purchase needed up with a $340 bill. Their website is not available when I am ready to make the payment and couldn’t get them on the phone also. Even after making the payment, they said that I might be getting a bill. When asked for what, they said that there is a daily charge and the balance I paid might not have that charges. Unbelievable!!! How can such a financial institution exist?? Feel awful for the customers who fell into their trap.
The Worst Credit Card Ever!
You can’t make online payments. The card is a scam. Horrendous.
Comenity Bank--RUN DON'T WALK
Our AAA visa card was sold to this horrible organization and we had problems using it form the beginning. The card actually caused so many problems at the SAM's club gas pumps they refuse to accept it anymore.
We tried to report the problem and they swore there was no problem. Then I got a letter from the president of Comenity, Bruce Bowman, to say oopsie for the widespread problem. I called again and had a sour old man say that I had no account with them because it was closed by Bank of America on Sept. 3 before Comenity took over in October and I never had an account with them.
How he could he straight faced say that when I have cards, a letter from their president, and a statement from THEM. Funny, we paid a bill to Comenity with charges on it from September 18, 22, 29 and Oct. 13. Fraud? I am beginning to suspect this is a Fraudulent organization, If they are legitimate, they will call me. Ethel C. Brown in Ky.
Checks take 7-10 day for processing which could make your payment late!
AAA VISA through Bank of America changed hands in October 2022, and now Comenity is my VISA account holder. Today I received a call from Comenity telling me that my payment is late and that I should at least make a minimum payment. I told the Comenity representative that my payment was sent and my credit union states that my check was cashed one day prior to the stated due date. He insisted that I send a minimum payment anyway. I told him that Comenity already has my full payment.
Frustrated, I called Comenity and spoke to another representative who told me that checks (Comenity does not accept electronic transfers from my credit union) take between 7-10 days for processing and that I must account for that processing time so that my check arrives 7-10 days before my payment due date. She did waive the late fee this time but I truly do not feel comfortable dealing with Comenity and will close this account as soon as possible.
DO NOT OBTAIN ANY COMENITY BANK CREDIT CARDS
20 year member of BJ's. I always renewed membership at the local store in Natick, MA. In 2021 I went to store to renew my membership. They talked me into obtaining a BJ's credit card. I applied for it at the store. The credit card never arrived. 12 months later I received my 1st credit card statement in May 2022 with my BJ's membership renewal charge on it.
I phoned Comenity Bank C/S and told them the story. They told me that they would take care of it. I told them to close the account. I went to local BJ's and renewed the membership. I expected the 2nd statement from Comenity to have a zero balance. I keep getting monthly statements from Comenity and they keep charging me late fees and interest.
As of Oct. 16, 2022 they say it owe them $160.00.......all late fees and interest. I have NEVER USED the card because I never received it. Mulitple times I have spoken to the local BJ's and they refer me to the bank. On 11/15/22 BJ's finally told me that they returned the $110.00 to Comenity on 6/29/2022.
On 11/15/22 I phoned Comenity and they could not confirm receiving the $110.00 and they transferred me to BJ's C/S. I keep getting passed back and forth. 2 plus hours on the phone today I I got no where. Comenity Bank operates worse than you would expect if you were dealing with a third world county bank.
DO NOT TAKE OUT A STORE CREDIT CARD IF THE BANK INVOLVED IS COMENITY BANK.