I had fraudulent charges on my account in 02/2025.I reported it to the fraud department and they were going to look into it. I'll called a number of times since and get transferred back and forth from one department to another. They issued me a new card. I'm still not able to use it because because I'm over the credit limit because the false charges are still there. I haven't been able to contest the charged because I have been unable to see them. No ne will help me!! read more

Total frauds. Don't post payments on time and sometimes don't even take payments with confirmations. Stay away!

The familiar "If I could give zero stars" applies here. I wish I would have seen the Google summary for this company: "Comenity Bank, now part of Bread Financial, receives overwhelmingly negative reviews from customers, generally earning low ratings (typically 1 to 2 stars) on consumer review sites like WalletHub, the Better Business Bureau (BBB), and Trustpilot." Yes, they are predatory. The return of a $60 backpack and the due date for my payment crossed, yet they insisted on charging late fees. So I ended up getting a $60 refund for the backpack, but paying $85 in late fees for absolutely nothing. After persisting and insisting to speak with a manager, they gave me a $33 dollar credit. But when I had paid the rest of the balance and I got my next statement, they reversed one of the $15 credits and I was charged an additional $10. I have very good credit and I'm tired of dealing with this situation, so I paid the $25, waited 24 hours and closed my account. Please don't learn the hard way. Learn from me and do not have anything to do with this company. I will also not walk into an "Academy Outdoor and Sports" store again. You are part of the problem by working with Comenity for your credit card. Hopefully both Comenity and Academy will end up in a class action lawsuit. read more

My account got hacked via a store credit card I had with Comenity. Accounts were opened in all stores associated with this bank. Do not recommend! read more

You could improve absolutely everything. Very inefficient and you have dragged my credit rating down. Stop canceling cards for not using them often enough. If I don't need something I don't buy it just to keep a card active. read more

I had Toyota credit card and I submitted a claim against car and go for 250.00 they fail to help me even though I provide the bank though their web site all the information that I had about that transaction and close the investigation because the bank claim I did not submitted the information.. I closed my account do not do business with bank ever the worst. read more

Avoid credit cards serviced by Comenity at all costs! They're unresponsive and keep billing you after you close the account.

The Worst bank ever! Run away go to a more competitive bank. I'm in a dispute and the only way to contact them is by mail.

This is a scam , not a bank! they send links that looks unrecognisable and similar to spam.. their customer service sucks! I had a small amount that I forgot about to pay on time .. I tried to reach their customer service & I got hanged up on twice .. I had to figure out my own how to pay & made full payment in a very short time considered as delay .. even though I had paid they got 100 points of my credit score in negative .. I tried to reach out again seeking to resolve this issue as I paid already all balance .. their customer service said "there is nothing we can do!" AVOID dealing with them by all means !!! read more

This bank is not like any other credit card company. STEAR CLEAR. I just paid $50 on an account that had a return and I technically owe nothing. But NO ONE would help me. I talked to 10 different representatives. 3 supervisors who tell me there's no one higher than them. As soon as this clears I can't wait to close my card with them. I will never shop with loft or Ann Taylor again because they are associated with this sham of a company. I am a loyal customer of 20 years and I primarily shopped with them and used this credit card. NEVER AGAIN! The customer service reps don't know what they are doing so they lie. I talked to a rep about an issue they told me it was taken care of and I owed nothing else. Come to find out it wasn't taken care of and I now owe $45 in late fees!!!! I didn't owe a dime! No one in customer service would help. On top of that they now charge 2.99 to get a paper statement!! I am completely flabbergasted. read more

I've had a Big Lots Comenity Bank card for almost 7 years now with a not so big credit limit, and never keep a balance on it; always paying it off and on time. Today I get an email informing me they are dropping my credit limit down to $110. WTH! I don't even need a card for a $110 in purchases; I only need it if I'm buying something big like furniture or something expensive that I want to pay off interest free. I hardly ever use this card to begin with and was thinking about getting a new recliner from Big Lots, but not now; not for $110. I emailed them back and someone from overseas responded with a totally off subject email back. I'd call, but I've called a couple of years ago and was put in queue to an operator overseas that could not help. Well, I'm closing out my Big Lots card with Comenity. It's too bad that Big Lots will pay the price for Comenity's actions. read more

As countless reviews have echoed, this "bank" makes a 1-star review seem generous. I can't speak to actually having a card, because I can't seem to get anyone to actually process my application. Perhaps I unknowingly dodged a bullet. What I can say is they process credit card applications like it's 1950, but without any 1950s hospitality. Everything is via paper. You apply online? Great. They won't approve you yet, but will send you a letter that takes longer than rolling the letter up in a glass bottle and throwing it into the ocean takes to reach you. When you call to ask for application status updates, the representative always says they'll put you through to someone who can help look into the status, and you get forwarded to an automated message that basically says "Sorry, no one is going to talk to you. Wait for a letter. Or write us one." When you eventually get the letter, it may be from a "security" department looking to confirm your identity. When you confirm your identity, they may say "hmm...we're going to send you another letter" like they did to me. And then 2-3 weeks later, when you see via USPS Informed Delivery that you are getting a new letter from Commenity Bank and it doesn't actually arrive, you'll once again try calling the "bank" to once again get the runaround and sent to the annoying prerecorded "we can't help you" message. You might eventually find someone with a soul on the other line, and they'll give you some insight into your application after you say "if you send me to that prerecorded 'We can't help you' line, I'll throw my phone across the room", they'll finally give some insight. For whatever reason, they decided to not recommend your application. They never even pull a credit report. They just deny you. In my case, this person with a soul seemed to hint that during my call with the "security" dept, they tried to text my phone number on record and it didn't go through, so...denied. The solution? Apply again in 30 days! I mean, it's been 30 days since you applied the first time, so you might consider it. But then you remember how much of a pain in the ass this was the first time and decide, nah. Life's too short. Any savings you would have had with B&H aren't worth this bullshit. So instead, you say screw it. No more Commenity, and no more B&H Photo. What's interesting about many of these reviews and Reddit comments is that Commenity Bank seems more than happy to approve credit cards to people with low incomes. So maybe if you really want to put up with this, take a zero or two off your reported annual income? They seem to prefer the people who are buying and can't pay off in full so they can gouge you with their high interest rate. Oh. Here's the "security" department phone number if anyone wants to try it instead of the main, publicly posted, completely useless Commenity support line. read more

Comenity Bank - The "security" verification department's phone number, in case anyone needs it. - Professional Services Near Me

Their customer service is lousy. The agents have very limited English proficiency. I tried to pay my bill online today but kept getting error messages when I tried to sign in. I couldn't even reset my password nor my user name. I was able to pay with the automated phone system but it was very slow and I had to repeat myself a few times. read more

Fraud. This is a FDIC FEDERAL Crime. Was issued a refund by a third party who uses Comenity Bank as their credit servicer. Circled back & forth from Ohio to foreign countries to no resolve. Comenity won't accept any evidence in writing that the company issued a refund. No, they want to do their own investigation and won't put anything in writing that their investigating their own fraudulent activities with their service providers. Comenity doesn't accept evidence of refund transactions which they never posted. ​If you message them on their website, it automatically is return consistently as "message not received." If message wasn't received, how could they possibly know it was attempted? They could only know if it was received and they won't accept evidence. Ohio State attorney general issue now. read more

Same as every one else in reviews..I've cancelled this card 3 times . it's paid off and I'm still receiving late charges on a zero balance. It's like the mob.....I can't get out of it. I got my card thought petco pay. used once and never activated. it's been a nightmare. Do not use this company. When I call I get another country for customer service. This is a total scam . I reported to petco also. Call 1-888-332-4728 Bread Financial direct to get USA support that finally handled this and made sure account was closed. Hope this is the end of this. read more

I bought my house in October 2020 and tried to change my address with Comenity bank for my credit card several times. I called and wrote the new address on my payment stub. Still they would not change the address. I paid off my credit card account in full with Comenity Bank at the Lane Bryant store because I was not getting my statement. Comenity Bank charged me a $9.52 late fee. It was not my fault the payment didn't arrive at the bank on time. Maybe there is a flaw in their system! When I contacted Comenity Bank, they would not waive the fee, and they continued to charge me late fees on the $9.52. They would not work with me because they said the $254.03 had been turned over to collections. I do not even owe this debt, and it is continuing to affect my credit score to the point where my home insurance doubled and is now $450 more a year. I'm sorry, but this is a fraudulent charge to me, and Comenity Bank has unethical business practices. This bank harassed me to pay it, they made collection calls and have been rude and distrustful even though I paid my account in full and closed the account. read more

This is the worst bank I've ever experienced, I would give it 0 stars if that was possible. I have a card with them through B&H Photo and Video that saves me the tax on all purchases. When I tried to pay off my my last purchase the bank's website was down so I was unable to. I went back and checked again a few days later and it was still down. I then forgot to check back again until the day my payment was due. The time was 2:40 PST and my payment went through. BUT apparently my payment was late because the banks day cuts off at 5pm EST. I tried to call them to dispute the late charge a couple days later but couldn't even get a hold of a person. I eventually just hung up and paid the late fee because it wasn't worth my time to continue with these people. Feels like a predatory bank. Avoid at all costs. read more

A total joke. And all of its customer service (or lack of) should be collecting garage on a garbage truck instead of being in customer service. Ignorant, unprofessional, patronizing and just plain non caring. Have a J Jill and Talbots credit cards and never had a problem (having them 15 years) until recently. Can't get into my accounts online and no one seems to care but will take your payment (of which they will tell you the amount and you can't even verify it). They said I did not verify my email address - so they send me emails to my email address which they want me to verify and I have to wait 10 days before I MIGHT get into my account. Ridiculous. I have turned in a complaint with Consumer Protection and BBB and will with any other agency I can find. Really pathetic read more

The worst bank ever. I have shopped at Ann Taylor many times (because I love their style) and always gets asked to open a credit card. I decided to open one. I have an 800+ credit score and always pay my balances on time and in full. I was hoping to put some big purchases in order to accumulate points but the Ann Taylor MasterCard cannot be activated regardless of attempting to do so for 3 weeks!!! Apparently the Comenity Bank systems are down - I have never heard of a bank system being "down" for weeks. I think ALL the brands and MasterCard that is being serviced by Comenity Bank should take this seriously because their customers are being affected. I better not be getting a late payment or a hit on my credit report because the bank has a problem. read more

I am not sure. I got a Sephora card and used it to buy some stuff. I was not able to create an online account to pay off the card. I was entering the right details and still getting an incorrect detail error. Then I get a late payment fees of $41. I was able to finally get hold of a representative on their helpline and paid off the balance with the late fees. It was such a bad experience that I stopped using the card. I got a second invoice of $2 saying its interest charge. Again the cycle began - online I was not able to create an account, and tried to get hold of their representative on helpline to understand what this charge and I get a message "Some maintenance is going on. Call later to reach out to their representative." Is this some way of extorting money from customers in form of late payments by making their systems and help representatives unavailable to enable payments or getting information about the charges? Their late fees is $41 and fees to pay using their helpline system incurs a charge of $8/9 per payment. What kind of scam is this? read more

Closing an account I've had for 22 years. They want to charge $2.99 to receive a hard copy bill. Their accounts site online is absolute bollocks. 4 generations of my family shopping at Talbot's is over because of Comenity Bank. read more

I opened a Playstation Credit account while at checkout on Playstation.com based on the offer of a $100 statement Credit with a $400 purchase from Playstation. The temporary card information I received via a text link provided a two digit security code, not three digits as security codes are supposed to be. Obviously, I was unable to complete my purchase using the new account. I now have to wait "10-14" business days for my physical card. This is unacceptable as I needed to purchase now and have no desire to purchase $400+ AGAIN from Playstation.com in the next 60 days. I feel like this is a scam and that they tricked me into opening an account. read more

Wow! If your credit comany has gave your account to Comenity bank, your in TROUBLE! AAA travel must have sold our accounts to these people and we are suffering from the transaction. I will not use this AAA card for travel anymore. I have had problems logging into my account and unable to for the whole month of November 2024. Customer service is a bunch of people they hired to take phone calls from home to save money on overhead cost. Their higher up staff, that they call "supervisors" are just other people at their house taking calls as well. There is no technical person to help or anything! Customer service told me that " we did all we can do". I am still unable to see my transactions because I am unable to login. read more

Worst bank ever. They screw over customers, especially those who took a Petland card with them. They charged me astronomical fees, the original amount was 3k, after 12 months of paying it, they charged me over $800 because I haven't paid it in full in those 12 months. Nevertheless, I paid off full amount recently, called over the phone and asked to close an account, they did that and rep told me I owe nothing anymore. 2 weeks later I saw I owed $50 almost again. I didn't want to pay it because I hate them, now I owed $90 almost, because of the "late fee". Do NOT take Petland credit card with them!! read more

I received a letter from Comenity Bank, asking me to remove my security block on the 4 top credit bureau companies. They wanted to complete their credit check, before they could complete my request for an Ikea card. First I never applied for an Ikea card, and second these fools actually thought they could get me to remove the security blocks, just for them. My advice, never apply for a credit card from any company that uses Comenity Bank, as there credit service. read more

Quite possibly the worst credit card service provider and over all customer service provider I have ever dealt with. I have both Sephora and Ulta cards and the card sites frequently go offline making it unable to view your account - but possible to make payments. Despite having a almost total or total available credit balance the card will randomly be declined. It does not matter the vendor. Accepted one day, but not the next. I have waited on hold for over 3 minutes only to be met with dead air while the call is still engaged. I just start singing. Badly. And loudly. It's a pity. I have no kids, disposable income, and poor impulse control. Instead, I have just kept my balances at zero and leave them open for the available credit balance.I could be one of their accruing interest victims. I hate having to give this company one star for it to register. read more

Somebody tell me how this goes, because their customer service department couldn't even explain it to me...I have one of their credit cards. I just received the statement after having paid the remaining balance in full. However, instead of the statement summary reading New Balance $0.00, it reads New Balance $4.04. They've figured out how to charge interest when no balance is there. I questioned their customer service rep on this...she said "well, you don't really have a zero balance". This is a deceptive practice by a credit card company, which I believe is more commonly called THEFT. How do you generate a balance on charges and purchases and fees that are not there, as my statement does show 0.00 next to each of those, and the amount of my last payment matches the amount they billed me, so that's cancelled out. I told them I would let the State of Florida contact them and explain this to them. Update - see my review of Woman Within to see what I found out and get information on reporting them. They are DISHONEST and I've given you the info to report their practices. read more

This bank cancelled our Bed Bath and Beyond credit card. We had a positive balance on it. Four months later we get a reply that they are looking into it, and another letter saying it has been resolved. What they di is reinstate our card. Now why would we do business with them again, not to mention they changed their name to Bread Financial and have a potential lawsuit against them? read more

Do not bank with this bank. Do not open a famous footwear credit card. They routinely mailed statements so there was no chance a payment could be made on time. Charging multiple late fees. Even after I paid the balance and closed my account I continued to receive payment collection notices. When I called they said it take 7-10 business days to process, in the meantime it seems like they added new charges even though I've not purchased anything new and my account is closed. More fees??!! Just stay away. read more

I received a letter stating I had 14 days to "complete my application process for my IKEA credit card". However, I have never applied for an IKEA credit card, nor did I have any interest in doing so. I called the # on the letter, 866-899-6319, spoke to a gentleman named Bob, and he told me the application was cancelled, and the credit bureau's were notified. He also said "let me check to see if there are any other applications out there floating around". Be diligent, and be sure to check your credit report daily (Credit Karma), to be sure there aren't any others. Be 100% sure it/they were removed from your credit report, as any hard credit inquiries will lower your credit score. If anyone receives something similar, I suggest to also file a complaint with the Better Business Bureau, and the Consumer Protection Agency as soon as possible. Info on the letter - Comenity Capital Bank PO Box 183003 Columbus OH 43218-3003 read more

The one-star is only because they finally agreed to finalize my account and restore all erroneous credit reporting...and that's after jumping through hoops for many months...as well as simply not having the option to score them less. I really shouldn't have to be a skip tracer to make contact with a supposed bank. Other than that, they wouldn't get a single star. read more

They Handel the accounts of several companies, like Sephora. They are so unhelpful and rude and like most business and banks. Don't be fooled by customer service and niceness. This place with take your money and keep charging you. Do your research with the cards you get if they are the handlers leave the application, you probably don't need it anyway. If we stop using this company they will change or even better go out of business. read more

Ongoing website issues made me close my credit account. Payments would not show, could not login for several days at a time.

Great place for consumer identity theft and their customer service will not answer phone after waiting for over 20 minutes

Should be able to leave 0 stars first of all! ABHORRENT business practices, correspondence, charges, and "customer loyalty" practices. I am a teacher, don't have a ton of money, don't want the sympathy card, but tend to spend our money wisely if you know what I mean! I have mostly or always been a good, on-time paying customer for YEARS with one of your stores (I guess I won't blast them but they won't be getting a lost of my business because of this and I will tell them that). In most or always cases, I have paid the FULL balance on store charges. I don't need your card and was sold "good deals", "coupons" and "customer perks" and whatever else lies you sell people just for subscribing to this shady, heartless and perhaps fraudulent credit services. I truly believe you ripped me off financially and set me an "F" you letter after asking for help with fees and charges far extending the initial cost of a few store items. Paid in full. The charges were well over the initial charge and I am an on-time paying customer for YEARS. I missed the due date by one day because I was in the hospital, never getting sick like this, and contacting you right away. The bill was still paid in full. I was a day late. Lots of phone calls and trying to get some help with fees, charges, etc. you've straight up stole from me and charged me and racking up owes excessively, ignored and finally blocked my messages on the website, and did not shut down/close my account. Comenity charged me another charge again after late fee payment, after emailing, (and more than 95% of the initial purchase price in July)! Shame on you, Rebecca U. and other 'advocacy managers' associated with Comenity Bank. Shame on you people for what you are doing to good, on-time paying customers (maybe sometimes in a lifetime of credit account make some sort of mistake!), loyal, and trusting consumer and customers. Shame on you all. P.S. It's generally noted that good customer service does not include blocking a customer's messages after trying to come to a financial refund solution and asking for help several times. They sent me a terrible letter one in which I would never send to one of my small business customers , EVER! I would help them and ultimately write it off just for doing business with me in the first place. Not these guys. Don't do it. Whatever you do , DON'T open an account with these thieves and cold-blooded liars, no matter what deal, outrageous tale or coupon they offer! read more

Worst customer service ever. The high pressure sales tactics retail workers are urged to inflict upon the customers is made so much worse by the dreaded, "call customer service," message. Invariably the representative from this sham of a bank will not listen to the actual problem. After they review the information on their end, they will come to a conclusion that is 9 times out of 10 completely wrong, but they will then only focus on what they decided the problem was. It is only a matter of time before they get shut down by the FTC for not even coming close to offering the advertised services. read more

Never sign a contract for credit with Comenity Bank, here's a good reason: I made a healthiplan purchase of $3500 with 18 month interest-free credit, made monthly payments to avoid paying interest - I received a paper bill each month with due date of 27th, and had payments set up with online banking and auto-pay to be paid on 15th of each month Again, paid early to avoid interest - Oddly enough, the paper bill for the 18th and last payment arrived in the mail as usual, but the "pay by" date had been changed from 27th to the 18th, with a warning in red type to pay by 18th to avoid paying accrued interest, which would be several hundred dollars on $3500 - I had to scramble to get the final payment made by auto-pay on 15th to the new due date of 18th - This is a dishonest way to collect the interest on a 'interest-free' purchase, in addition, late fees charges are $39, and then the interest charges kick in- Banks are thieves ! read more

Community keeps charging me more interested on a balance of 3 cents on my Victoria Secret credit card that Community Bank handles.I have called Community for 4 months and get a different answer to the problem each time.In June 39,24, I was told by CS that l had a zero balance, and now I get July's statement and there's more interest charges compiling on what, I don't know.VS is a great company ,I've been with them for over 35 years, but I'm canceling my VS card and will not shop with them ,because of Community Bank.so Community Bank has a lawsuit against them anyway.Look on the BBB website and it's there.Readfor yourself.So Community Bank caused VS to loose a good customer.Time to move on. I will not use any business that uses Community Bank, ever again. read more

My credit card was taken over by Comenity. I never received new cards (common complaint I've noticed in other reviews) and when I tried to call and get the cards was told it would take 7-10 business days! I can't log into my account since apparently I need my new card number to set that up. I was told they can't give that information over the phone which I'm sure was a lie. I asked to cancel my card. Got put on hold for a long time then he comes back and says I'm all set. I asked for written confirmation which he said would be emailed. I have yet to receive that. I have a $0.00 balance and am concerned they're going to try and charge me some kind of fee with interest. How is this company allowed to stay in business. read more

My AAA visa signature was sold to them. I will be calling all credit bureaus and Consumer Financial Bureau. I can not possibly owe 1,562.00. This has to be an internal problem. NO ONE HAS STOLEN MY CARD. read more