Comenity Bank Ratings

Even though I received a confirmation number confirming my payment in full when making a payment over the phone, the company claimed I entered the wrong routing number and charged me interest and a late fee. After I paid that balance in full, I received a statement with a $3.00 fee. They claim this was interest still owed even though I paid the account on time and in full twice. Not only will I never use this bank again, I will not shop at Ulta, the store where I opened the account. Too much aggravation over two months to be bothered.

Dont use Comenity Bank charge accounts..They have poor customer service, their on line account websites are down more than they are up and working and this causes you not to be able to make payments on line and if you have to make a payment over the phone they charge you $9.00 fee (probably why their on line sites go down all the time!!). I have had a Venus account for years and constantly have issues w/their on line account site and now today trying to create an on line account with their World Mastercard it wont let me log on and just keeps telling me to contact Customer service to verify account, even though Ive called and it spoken to 3 of their customer service representative in a row.. 1st one verified my info, 2nd one tells me you have to wait `0 days to access your online account after creating it (WHAT??) and 3rd decides to say "Oh they are working on the On line account at this time, sure they are!! and if they are whey doesnt the site stated "Page is temporarily down due to maintence" like all other online account from all other companys tell you!! This Bank does shady things to keep you from making payments on time. Once I get on line I will be closing my World MC account down, I refuse to put up with this kind of shady business practice with a mastercard account and seeing Im once again seeing their on line account issues that I thought was just associated with their Venus on line account I will be closing that account too.....I refuse to play games with a Bank and Federal Trade Commission should probably look into this bank. Do NOT OPEN ANY COMENITY BANK CARDS!!

I went to purchase from my hearing aid place. They went through HealthyPlan, which went through Comenity Bank. I ok'd getting 12 months with no interest. I had my Bank take the payments out of my account each month. Which was an ACH withdrawal to Comenity Bank. When it came three months before the 12 months were up, I paid the whole thing in full. But here is what they did, they did not pull the money from the ACH account for the last payment. I sent them a registered letter. After calling them several times to tell them what they were doing. They even had my Bank send a letter to them letting them know the ACH item was there. But that wasn't enough for them. I then also sent them a registered letter with the last payment with a return receipt. Finally after another month they cashed my check. Well you think that would be enough. But no now they are charging me the full interest for the account when 12 months were with no interest. And of course this affects my credit score. They are now calling me all the time. I answer and they hang up.

I will never have a comenity bank credit card again. I paid my balance in full online and canceled my automatic payments. The company took both payments out of my account and then I had trouble getting the overpayment back. Now I get a bill for interest but I paid my account in full and asked the supervisor to confirm my account was paid in full. The supervisor said yes, i am all set. What a scam! Stay away from this bank

I called the customer service line so that I could pay off the cask advance portion of the Caeser's Comenity Card to reduce the interest I pay. You can not pay off the cash advance on line! The customer rep hung up on me without giving an explanation as to why you can't pay off the cash advance amount. I must assume they want you to pay for interest on the cash advance because it is a higher rate along with the interest rate on purchases. She would not tell me what percentage of the payment I submit goes towards cash advance and/or to purchases. This is an incredible scam and Cesars should be embarrassed to partner with them.

This Bank is "Customer Beware" I had a charge on my bank card that wasn't valid, they said they would investigate which means nothing. I was sent a letter not to pay the disputed amount while the investigation was in process. So I didn't pay as they said, next thing I know they reported me to the credit bureau. When I called them they could never find the paperwork.

This is the worst bank ever. It was a mistake when AAA transferred accounts to Comenity. I redeemed $3,000 in points for cash on February 28th and they sent me $30. It is now April 11th and no one knows where the money is or how to correct it. They keep telling me to call and check on it next week. I even wrote the President and asked for help and have received no response.

I am a financial advisor to a Mrs. Sullivan located in Nashville, TN last four digits of her phone is 8023. Mrs. Sullivan recently has received numerous phone calls from Comenity about a Mr. Charles Sullivan. My client a Mrs. Sullivan has been a widow for 20 plus years, her husband was not Charles and she does not know a Charles Sullivan. My client, Mrs. Sullivan is elderly, has recently been hospitalized and is medicated. Additional phone calls from representatives of Comenity may cause Mrs. Sullivan additional heart issues or cause a stroke. My name is Marvin Vannatta and have been her financial advisor for many years. I will seek assistance of her attorney if these phone calls do not cease!

AAA Visa switched from BOA to Comenity. By far the worst bank I have ever worked with. Decided to pay off the balance by having my bank issue a bank draft check and send it to them. Comenity received the check on 6DEC22. Verify by USPS. They lost the check. After several phone calls regarding this they advise me to have another check issued. Which I did and my bank send it directly to them. My favorite statement from customer service was "We don't lose checks; we just misplaced them". In January Comenity received the second check and find the first check. Then try to deposit both of them. Since the first check was cancelled due to fact, they lost it. I was charged a return fee, late fee and interest. Had to request another investigation, this will be the third one (ongoing). First was Bread Loan fee for loan I never took out. Response from Comenity "system error" and I was refunded. Second one was the lost check (Still ongoing). Each investigation takes 90 days. Every time I speak with them, they always subject to me to just pay the fees/interest amounts and wait for them to credit me back. How does this bank operate. The Fed's need to investigate them.

Terrible bank. I last has a had a Comenity Bank/ Pier one card 9 years ago at that time it was paid off and never used again. Out of the blue about 6 months ago I receive a bill from Comenty/Pier one for $500 give or take.I tried after many attempts, hang ups, long waits call customer service and no one could figure what happened and why I received this ghost bill.My guess I spoke to 5 people with no result. I was then told I must write letter to the bank and that was the only way to communicate. I wrote 3 letter explaining the situation. Finally I received a return letter. The letter tells me it may take up to 90 days and they will investigate and let me know what the out come will be.I was also told the account would be frozen and no further charges would be applied LOL! COMENITEY currently has me 90 days late from a charge of 9 years ago!!!! My credit report states 90 days late and the interest charges continue. My credit has been stellar for years except for this insane charge.

I paid off my account and for two months I am being charged interest and a late fee. They also reported on my credit bureau that I was 120 days late. Never received a call or a notice through the mail. This bank is a group of thieves. They do not even deserve a rating at all.

At first I wasn't unhappy, but then the late fees started to add up on an account that I had closed. When I called customers service they told me I made my last payment late so until I pay the late payment, they will continue to accumulate late fees on a closed account. Are you serious? NO ONE could help me, they are the biggest fraud of late fees I have ever seen in my life. I am supporting myself after my husbands death in 2021 from Covid19, prices are skyrocketing and I am on a fixed income and she kept saying "I'm sorry" well then do something about it.

So not only am in continuing to get charged $39 for late fee now they will ruin my credit score by accumulating fees on top of that till I pay them off. I am not paying any late fees on a CLOSED account!

A huge mistake when AAA changed fro Bank America to Comenity Bank! They say that I owe over $3,000 on an account that I never heard of; never have had a card; and never have received a statement. I have "taled" via email to three different so-called "reps", from three different countries over the last month. They all say that they will send me a statement so I can verify the charges and I havew yet to see a ststement.

I created an account through them when I made a Kay's Jewelry purchase. During the purchase, I was given 24 months same as cash incentive. It even says it on the bill. Regardless, we received threatening calls and emails regarding overdue payments. I.e. they dont even know what 24 months same as cash means. This bank is worthless. When I called them, the person that answered had such a thick accent, hardly English and I was barely able to have talk with him.

Comenity Bank needs to improve the Fraud Department. For example, people have tried to open a Kay Jewelers Card in my name. We recieved two letters from Comnenity Bank in Ohio ( I live in Colorado)however, there was no contact information on these letters, so that I could call and inform them these were fraud. There is no way to report Fraud to the Bank.

Had Three Charges made on my card that were fraud. I've made 5 phone calls to customer service with Zero action. They said they were going to file an dispute. That was with the first customer service rep. Four more phone calls and still nothing. 5 phone calls talking to different Reps. that have very poor English speaking skills.. Very frustrated !!!

If I could I would no give Comenity Bank any strars. I did not receive a Catherines bill until two months after my purchase & Comenity Bank charged me for a late fee & interest. I called them & spoke with the Supervisor Kathy & told her it was the first time I got a statement & she did reverse the fee but would not take the interest off. I think Catherines & Comenity Bank are not sending a bill to make more money. My credit score is over 800 because I have never been late on payments. So please do not shop at Catherines & definatily do not use a Comenity Bank credit card. They will rip you off.

So frustrating. Comenity took over my AAA Visa credit card and did not send me a bill. When I did get a bill, they charged a late fee. I use the automated pay over the phone payment method to usually pay my bill but it would not take my payment because I was trying to pay the full balance. I spoke to some one named Stephanie at Comenity and she said I could only pay $5,000 and not my total balance. I told her I wanted to pay in full to avoid paying the interest fees and she put me on hold and never came back. Then a recording came on that was from another company and disconnected the call. Unbelievable! This bank does not deserve 1 star.

NEVER NEVER use this bank. So much incompetence. Can't use the website because it isn't working correctly and can't understand the phone contacts who are more confused than I am. I made a payment by phone to pay off the entire balance. They are holding this payment they received for weeks and then sending me a bill with lots of interest and late fees Who is running this business ? Is there a negative number to use for rating ? Don't deserve a 1

I have made payments to an account that's closed and I don't owe them any money. I have been calling since August this year and they keep telling me they see I have a credit of $585.00 but they will not process my refund to me. I have closed any other cards with this bank I don't want to conduct any business with companies that will not refund you money that they admit they owe you! Never would have thought this would happen!

AAA switched from BofA to Comenity bank. New card was to arrive week of 10/09/22 today is 10/27/22 with no card in site. Called several times to speak with someone who barely speaks English, was told I would receive an expedited card by today, no card and was told today it would be next week. So now if and when I receive this supposed card I will cancel it. Not sure why AAA would have done this to their customers. Would be 0 stars if I had the choice.

I have paid off the balance on my BJ card yet my Comenity Mastercard does not show the payment even though the money has been deducted from my checking account. All attempts to reach Comenity Bank turned out to being put on hold for a considerable long time and subsequently disconnected. I have not been able to reach anyone directly. I have also left a chat message on the bank's website four days ago. I am yet to receive a response. This is nothing but a rip off. Why is BJ's doing business with Comenity Bank. Consumers need to be aware of what's going on. I am totally frustrated.

Comenity no longer offers a Farmers Visa and they still take the payment but do not forward it to the party to be paid, so they owe me a refund. Can't get it back form them. Also the Rewards they offer, we can not get t hem out of their system. AVOID Comenity, just awful and if you call for help you get the Phillipines and they are just as confused.

Comenity is trying to rob me. Normally people rob banks. Comenity is beyond incompetent... it simply just do not care. Some millionaires set up a corporation in Wilmington DE and are running this as a scam. Pres. Trump did the same thing when he tried to pay off Stormy Daniels. Open a business in DE with no supervision from the state or feds.

Received my BJ's bill for August. Made a payment on July 15th through our banking online pay as we have been doing for 8 years. The payment did not show on the new bill when I called they say they no longer accept payments from banking facilities and it has to be paid directly to them. Never received notice regarding this. Plus was charged a $30 late fee. Will be giving it some thought if I am going to keep my BJ's card after this, their prices have gone up so much it is easier and cheaper to go to local grocery stores with their sales.