Comenity Bank Reviews

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!

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.

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.

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.

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.

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.