Comenity Bank Reviews

I Would give 0 if is possible...just got a bjs credit card and can't login due to "technical glitch " for about 3 days!

I have a Comenity Credit Card thru Lane Bryant and out of the blue they lowered my credit limit and raised my monthly payment. I have never been late with them or anyone else but they claim I am high risk. I will get it paid off and never use it again.

I had (have, really, since closing the card has so far been unsuccessful) the Torrid credit card through Comenity bank.

It was a terrible experience dealing with the bank from the start, so I only used the card for one order, then I paid it off in full with no intention of ever using it again. Despite never making another charge, they've charged me a LATE FEE on my zero balance for 3 months in a row now, plus a finance charge on that late fee.

They're still charging me fees AFTER the card was supposedly closed. This is fraud and theft, and I'm in the position of having to fight with them because if I just don't pay it they could report to credit bureaus as an unpaid balance. Avoid any card through this bank at all costs--they're scam artists.

Holding my payment hostage: I made a payment to Comenity $50 more than the minimum payment which I frequently do. The payment was made on time but the payment somehow was inadvertently posted to a dead/closed account that was over 20 years old. Why or How Comenity was able to post monies to a closed account.

What ever happened to checks and balances. When I was contacted by Comenity about my June payment they told me my July payment was coming due and I was forced to make another payment or possibly turned over the collections. It has been approximately six weeks since I began discussions with Comenity and they could only say the matter had been turned over to another department.

As of August 6 I have not heard from nor received a reimbursement from Comenity. Not good customer service.

The only thing this bank does well is a "technical glitch." I have a username and password but when logging on for payment the response is always the same — technical glitch. I've tried calling but the Comenity CSRs cannot help due to their own technical glitches. I've tried changing my username and/or password but that results in another "technical glitch."

So far, I've sent in six payments ranging from ~$150 to ~$350 for a ~$4000 total purchase. I'm scared to pay the balance in full as the full check might be lost or misappropriated. Of those six payments, two have indeed been lost (ie, do not show on the confirmation page), two have been "processed," and two linger as "processing."

Paying takes hours of my time to track the confirmation numbers. The merchant (Appliances Connection) was perfect in delivery and fulfillment. The bank (Comenity) is a nightmare.

The Express Credit Card, managed by Comenity Bank, is a total fraud. I had autopay setup but then they stopped it without telling me. and then stacked up 3 months of late fee, and no notifications what-so-ever, until an agent called me i have 4 months of late fee ($160) stacked up. Total scammers... for a purchase of $40. they should not be on this earth.

I applied for the Explorewards Sportsman's Warehouse Comenity Visa card since I was making a large purchase and they were offering 15% off if I purchased anything at Sportsman's.

So, I spent over $2,000 with the intention of getting the nice $300 credit for my purchase. After a week, I decided to pay off the balance, which is what I always do in situations like these.

When I attempted to log into the account, it was down due to maintenance, so I called them, and a representative took my payment over the phone. I used my Wells Fargo debit card to pay the full balance. The following day, I noticed the payment had posted and I then confirmed that I had a ZERO balance on my Credit Card.

This is when the S O Bs went psycho. Three days after I paid off the card, I get multiple text messages from my bank, followed by a phone call stating that multiple payments were processed in the exact same amount I had paid on the Visa card three days prior.

This caused me multiple overdrafts which ended up draining my Savings account of over $4,000. The bank issued me with refunds on all the illegal transactions and covered my overdraft fees.

Comenity bank sent me a letter telling me that I owe them all the multiple transactions they stole from me or they will report me to the credit bureau. When I looked at my credit card statement, It showed the original transaction I made at Sportsman's, then it shows 2 additional debits each for the same amount of over $2,000, but the debits are described as recurring payments.

When I called them to resolve the issue, they told me they had fixed the issue, but they never did. I have called them many times and even though they admit this is a mistake, they tell me that they fixed it, but they still haven't.

My credit score is in the 800's for the last 20 years and now they are threatening to destroy it. I think I am going to get a lawyer and sue them. This is the most frustrating financial issue I have ever dealt with.

They are a BS company - happy to give you credit at a high rate. NOW cannot even pay. Tried online. try calling. this is CRAP Just want to pay off and cancel this card. NOT WORTH THE HASSLE!

If I could I would say 0 stars. Rude employees, 4 months trying to get a fraud charge taken care of. No one cares or bothers other than being rude and hanging up after a 2 hour wait.

Ask for supervisor was given another rude and non caring, uneducated employee.

Most do not speak english and there are 50 people in a room answering phones. You can not hear what they are trying to say. Where the heck is this bank ? Well not sure it is a bank. I want my card closed and the false charge taken off.

Does anyone care. I guess reviews don't mean anything because it is quite obvious they don't read them.

Hundreds of reviews on this bank and they are still open. System has been down for 4 weeks. CLOSE MY ACCOUNT.

It's a joke, and a Lie. They have a broken website forever still cannot access to make an account to pay bill. The lied about interest rates. When you try to call them, they never answer. Worst company ever.

I wish I could give a zero-star rating. I made a payment on 7/1. As of today, payment is not showing as posted or even pending. Could not log into website for 8 days. If you call their number, you will be told that you cannot talk to anyone and call back later - I think they are hiding at this point.

Absolutely the worst con going on. DO NOT GET A STORE CARD. Many companies like Sephora, Bed and Bath, Ann Taylor have their cards issued thru this simply awful bank.

And the interest rate is 24%. Believe me I work for a company where our job is to foist the consumer with these dreadful cards at a high interest rate by offering a "Discount" trust me - not worth the discount to get the card.

This bank is terrible. Their computers have been down for a week and you cannot pay your bill or reach a real person. The New NFL card sucks because you cannot use it for apple store purchases and there is no app to use.

Would NOT recommend you take out a credit card with this bank. They changed their mailing address to where my check was delivered for over a year. They claimed I did not make a payment yet they cashed the check. My credit rating is excellent! They then charged me multiple fees for being late and would only remove a portion of the fees. Do not use this company!!!

I also have been badgered and insulted by late payments (less than $100.00). My payments rarely late and normally paid in full. I own my home, paid cash for my new high end 2021 car, have investments and a trust fund.

Avoid getting a card from Comenity and avoid their anti-customer practices. Many good card companies from which to choose. Don't give them your business.

This bank is ridiculous, I have never been late and after almost 1 year it gets shut off due to my credit score dropping because either missed 1 payment on another card due to Covid last year. 6 months later I get a email stating that they have closed my account do to a credit decrease.

What in the heck is wrong with these people. Like I said I have never been late with this bank. For them to do something like this is wrong and this is why people don’t do business with communist companies like Academy.

After calling them never wanted to tell me anything and the emails they kept sending me were the same ones over and over again. The unprofessionalism with these people are sick.

You cant get in touch with these people and the number on the back of the card has changed. I can not get into the account to pay the bill.

Even with the good rates, avoid their Certificates of Deposit. They do not /will not refund your money in a timely fashion. Delays, lies, every action "under review" appears to be business as usual.

Mastered the art of fraud. They prohibit due date alerts. Charge you late fees. Reverse them when caught, then continue charging minimum interest on a $0 balance. Avoid these fraudsters at all costs.

Terrible company do not do business with anyone involved with this company. Disreputable companies partner with them and when you are scammed and never receive the product they side with the scammers and you still have to pay them for what you never received. At an absurd interest rate as well.

Call support and they give you the run around and side with the scam company despite proof goods were not received. As long as the scam company says so they side with those bringing them money. I would not be surprised wife they got kickbacks from the scammers.

My name is Lora Merriss. I was preapproved online on 9/16/21 for an IKEA Projekt Card for a complete kitchen remodel. Unfortunately, the door style we chose has a finite date for availability due to being discontinued on 10/1/21, so I called Comenity Capital Bank the next day to see if there was anything that I could find out on how long the final approval would take but was told that it could take 3-4 weeks from application date. I asked if they needed anything else but was told that they had everything they needed.

After 10 days, I received a letter in the mail that they could not continue to process my application until I spoke with someone.

On 9/25/21 I called and was told by another employee that they had 3 questions to ask me, that I could not confer with anyone else, look anything up or put them on hold. The very first question was regarding which year I had leased a vehicle, with 5 possible answers. I do nothing but lease vehicles, and there were 2 correct answers in the possible ones, so I picked one. The third question was in regards to my mortgage payment. I asked a clarifying question to see if they were looking for principle and interest only or the total of all with escrow. I was told that they could not clarify so I picked the answer range of the principle and interest only. I was told that one or more of the answers was not correct and this would have to go to the "Back Office" for processing. I asked how long that would take and why, with the preapproval, the credit check they had already ran and the income verification that had been done, this was taking so long and was told that if I had been paying attention and knew what was on my credit report, I would have been able to answer the questions correctly, which made me angry.

After 12 days and 5 different employees with 5 different stories, I was finally able to find out they denied me due to an answer I gave them on one of the three questions and for other things seen on my credit report.

I have a credit score in the 800's, have a house loan and two car loans as my only debt, and more than enough income to cover everything and then some. You don't get a credit score in the 800's with dinks on your credit history.

I have never been treated so badly, disrespected by so many different bank employees and been given so much conflicting information by an organization in my life. I will be asked to fill out a survey by IKEA when I am done with this project, and the review that I give your bank will be the worst review you have ever had. You lost out on a $20,000 credit purchase, and in this day and age, even small purchases really count towards your bottom line.

You should be appalled at the disservice you did to me, the business that you just lost and the damage that you just did to your company reputation. If I could give you “0” stars I would.