Comenity Bank Reviews

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.

Is there a zero rating? Their website for the past few months is consistently down, and credit card payments cannot be made. As their website is down, they are making harassing phone calls.

This is a nightmare & will destroy my credit. To date I never received a credit card or statement. I have called twice, takes about 1-2 hrs each time. I’m not speaking to a person in US. Each time I’m told they will send me a new card, meaning I will be issued 3 cards I guess. I can’t pay my balance without my account number. On phone I’m told I can pay them for an extra fee. I don’t think this is legit bank & they have all our info. Now I just want to pay my bill by cashiers check & be done with them which will also hurt my credit. But I don’t know how.

Transferred by AAA from Bank of America to Comenity. Bad customer service- I scheduled automatic payments and nothing has been taken out of my account. 3 calls with customer service later, they tell me there is no issue, that the payment was made and there is a delay on the portal, and that they payment made was for double what it was supposed to be. None of this is true as my bank states that Comenity never pulled an ACH request.

AAA issued me this card without my approval, then I canceled the account without activating the card. This was the beginning of a huge mess with nobody answering the phone. Tried to complain to AAA and couldn't get through to the right people there either. Stay away from this horrible bank and from AAA too.

I realize that the Comenity Bank/AAA Credit card is new and therefore there are going to be problems. I don't know if this was planned by Comenity to force you to do everything on line or not, but when you do call their phone number, be prepared for long hold times and difficult to understand operators. (It seems they are located off-shore in the Philippines.) Last week when I was getting nowhere fast, I asked for the operator's supervisor, she tried three times failing each time. Today I had a problem with my phone numbers (they wanted me to update them when no update was required) and after three attempts to update, I called them to complain. She said basically, not to worry she'd take care of it. She took care of it all right, she entered my mobile number in under miscellaneous, so once again I was prompted to update my numbers.

I'm currently seeking an attorney to file a lawsuit against Comenity bank/bread financial. I have received several call backs and I'm just deciding how far I'm willing to travel to start my paperwork!

Do not do business with this credit card company...They are already being sued multiple times!

Poor customer service. They do not answer the telephone. Have been trying to reach someone for several days with wait times in excess of 45 minutes with no response.

Comenity recently took over servicing for a AAA Visa card from Bank of America - which worked great for many years. Can't get an online account, can't get a service rep. This deserves NO stars.

AVOID at all costs!!

I am new to Comenity Bank. Comenity Bank took over AAA Visa Credit card issued by Bank of America. Not sure if AAA sold the card and/or Bank of America sold the card to Comenity; however, Comenity was not ready for the handoff. Bank of America discontinued the card on or around 10/8/2022. Comenity was to issue new cards and have them operation on 10/9. That didn't happen nor did it happen on 10/11. Could not reach Comenity customer service by phone and without the new credit card could not access anything via the internet.

They sent new AAA credit card, I activated and set up online account. Used card. The next day, I can't sign in to the account. Pathetic!

I have had a credit card affiliated with AAA for over 20 years. Bank of America serviced it. And I was happy with it. They saved me from fraud a couple of times.

Just the other day I got 2 new cards for my wife and I each with separate account numbers.

Apparently AAA dropped B of A for Comenity Capital bank.

My other cards were good till 5/25 These new cards expire in 11 months.

The cards came with big claims on how much I could earn. But nothing about the terms.

After reading some of these reviews I am going to steer clear of Comenity Bank.

Thanks everyone for your comments.

They are terrible! Stay away from this bank. They charge interest on nothing and fees if you don't use your card! Their customer service is bad. Nothing nice to say

I've had so many issues with this card. I tried to make a payment but their online and phone system was down for weeks so I was charged a late fee for that. I paid the next month and there's no history of me paying it at all even though I received a confirmation number. Customer service is rude and incompetent blaming me for not paying it in store when there system hasn't been working. Once I pay this card off I will be closing my account.

Comenity bank is charging interest on paid off balances and late charges on top of that. They have no regard for what is right, and calls are back-to-back. I would not recommend Comenity Bank to save my life!

I cannot believe this company calls themselves a bank! This is the worst company ever! They made a $10,000 mistake on my account. That's insane. Thank goodness I don't do business with them anymore.

Total Scam and they know it too.....I would not give any rating if I was able.

They suck. On 8/31 I mistakenly paid $4,000 on a $40 bill. They said I would have a check by 9/13. Nope, one operator said it is in the mail. This last operator said it is being processed. I told them, I am diabetic and insulin costs me $300. I have no money to pay for it. They can't fed ex it nor can they call me or email me to let me know it was sent.

Comenity Bank in my opinion does not support its customer in online merchant/store transactions even when empirical evidence of merchant fraud of not upholding the description of merchandise sent to the customer nor does Comenity Bank uphold US laws when a merchant refuses to give the return address for returning the merchandise sent the customer that doesn't match the seen or description of the merchandise written by the online merchant about the advertised merchandise.

I believe, Comenity Bank is somehow in profit from making the customers keep the falsified merchandise sent to the customer from their online store merchants by replacing the disputed charge back on the customers bill or giving the customer the suggested percentage discount suggested by the online store merchant; to keep the merchandise sent. Comenity Bank makes the customer pay in part (take off merchant suggested percentage) or in full the amount of the item(s) undesired/ unwanted) by the customer by placing the disputed charge back on the customer's Comenity credit card, Comenity Bank does not uphold the US laws to keep any item the merchant refused to accept back, thereby charging the customer for the merchandise the merchant refuses to accept back .

When you call in to speak with someone at Comenity Bank, there is no dept. personnel that can explain to the customer in leu of evidence sent to the bank how the bank made their judgement in favor of the online store merchant.

This happen to me in May 2022, After I sent in supporting pictures, emails from merchant asking me to keep the undesired merchandise at a percentage of the total cost paid. I called Comenity Bank to help protect me from this fraudulent, unprincipled, unscrupulous, online merchant that refused to take their product back in agreeance with the merchant's written rules for return. This online merchant that refused to take their merchandise back, The merchant told me, I should like the merchandise as is, offered me a percentage discount to keep the product, I said, "NO." Comenity bank ruled in the favor of the online merchant when I sent emails of the customer/merchant communications, and pictures of the product NOT being as the online merchant had advertised. Comenity Bank still ruled in favor of the online merchant, credited the change back to my account, where now the bank is forcing me to pay for a product I can not use as is -Not the advertised item(s) thought to be ordering..

Please, beware of your online transactions using Comenity Credit Card. This bank does not protect its customers money,

This all began when I returned several items to the store. The store clerk processed the items and issued receipts for the returns to and refunded cash to my debit card for one of the items.

The following month I received a statement that didn't reflect credit for the returned items and that's where this nightmare begins. Called the customer service Pros' and was instructed to contact the store of purchase and they even wished me ."Good Luck" .

Arrived at the store and was angrily told by the clerk that it was the Credit Card company that I should contact. Called the Credit Card company for several days and waited hours to speak to a live voice initially to no avail.

Finally I went on line to enter a claim dispute. It took several attempts but it appeared that I was at least successful in uploading the receipts that I believed would clear up the matter? Well they didn't, apparently only the dispute department can see the uploads and the system, they claim, is being upgraded.

I won't bore you anymore with the details except to say that If I see any financial ,banking or lending institution even remotely associated with Comenity I will try to get away from it as fast and far as humanly possible!