Comenity Bank Reviews

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

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!!

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.

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.

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 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.

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.

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!!!!!!!!!

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.

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!

You can’t make online payments. The card is a scam. Horrendous.

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.

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.