I HATE this bank!!!! All customer service reps are either rude or tell you one thing then say another. This bank is such a scam!!!! I use to have good credit. They never once called me to tell me that there was a "problem" with my bank until I was three months behind and when I told them If that was the case why would I get a notification from them saying my payments went through. And they had no real answers. I even told them why is it one of my cards was getting paid with the SAME BANK ACCOUNT NUMBER and yet the other two weren't going through and they blamed me for not putting in the right information. They are such a SCAM!!!!!!!!! I hope they get audited soon because this feels so illegal. read more

If you find FRAUDULENT charges on your credit card account & mailed the required documentation on time, they always say they never received it, so by the 60 days make you cant dispute it. I have sent the documentation 3 times in the last 30 days and they have no record of it. As soon as this is taken care of the account will be closed. I have excellent credit and will make sure to never have an account with Comenity or it subsidiaries in my lifetime again. Comenity is a true GARBAGE financial institution. Tell you friends & family people! read more

I don't know how their practices are even recognized as legitimate. They conduct the billing services for many of the department stores including J.Jill. I opened a credit card with J. Jill. What a mistake. Comenity has a way of billing you a late fee because they don't "post" their payments on time. I use billpay and even my bank can't figure them out. I mailed a payment through my billpay in plenty of time. Mailed on 4/11, due on 4/19. My bank said they have to use a paper check? a bank that doesn't use electronic funds for payments? My bank said the check got there in plenty of time but evidentally Comenity didn't post it until the 24th and decided to charge me a late fee and say they didn't get it in time. And then to make it worse they said the account number was wrong. It wasn't wrong, it was just the last 4 digits because that's what my billpay uses. Then Comenity thinks they are doing me the favor for giving me a "courtesy" refund on the late payment. This really irritated me. They should not have charged me at all. Needless to say I am cancelling my J. Jill account. Love the store hate their billing provider. Will never do business with Comenity. read more

So, I had an account with them since 2013 that was in really good standing and it was abruptly closed without my knowledge. And when I tried to reopen that account.. apparently I only had 1 week from when it was closed to try and reopen it. Yeah, that would've been nice to know cause I literally found out that it was closed from looking on Credit Karma just a couple days after the 1 week period. So, don't do business with them. Go through a different bank and save yourself the trouble. read more

I have a credit card from The Childrens Place which is through this bank. I have been a member with them for about 4 years and never had issues till Aug 2021. They kept getting my banking info incorrect and wouldn't post my payments. I would also make payments and they would reject my payments . Becauses of this they started to charged me return fees which was not my fault or my personal bank (chase ) fault. I am disputing a charge which they told me in 3 days it will be handled and that didn't happen. They are very messing handling payments and I absolutely do not trust this bank. Because they ate such a bad bank after I get my dispute finalize I am closing my credit card even though that may hurt my credit score. One of the customer service rep told me I have great payment history and do nor go over board. So I don't think there should be any fee other than the charge I use to shop which was paid off before my closing dates yet they are still finding ways to charge me extra money. Do not use this bank and before applying for a store credit card be sure to ask what bank is it through and if it's with this bank don't bother getting it. read more

do not frequent this bank-do not open a credit card or charge account with this miserable company-they are disreputable and theives-stealing your money every month -raping you with high interest charges regardless of whether you pay or not. If you make one error, they will restrict your card and not allow you to use the card but still bill you for interest charges and penalty fees. Whatever you do do not open an account with the, They are inflexible terrible peoiple with miserable customer service. especially restoiration hardware. Mark my words-you';ll be sorry. I hope that in some small measure this bank loses money by my post. read more

My wife passed away in 2017 & I called to have her Boscov's credit card account closed. The representative on the phone I talked to a Comenity (Calamity Bank) said I needed to write them a letter & provide a copy of the death certificate. Which I did. Here it is 2 months later and I call to check on it and the tell me "we cannot share that information with you & we need an Executed Estate Statement? What the hell is that!? I tried to tell her that everything passes to the remaining spouse when one of the married spouses pass away. No matter, "I can't close the account". WTF? These people are morons. Now I'm going to report these idiots to the BBB and anyone else that'll listen. Never again! read more

Make sure you're aware of all your account details at all times (promotional plans, expiration dates, interest rates, etc.) because they will place ridiculous amounts on your account without warning. They will call and send multiple messages about a missed payment, but will say nothing about an $800 finance charge. Then if you call and explain the situation about having no information on this promotional plan THEY put you on and actually offer to pay off the entire amount balance at that moment, they will still, literally, say screw you and that you should have read the monthly statement (which they acknowledged no one including themselves reads every month). One heck of a operation. read more

I was so excited to join Comenity Bank. The interest rates are a little bettrer and the website is actually quite cool. Then the reality set in. I set up an account and funded it electronically from another bank. Three days later I wanted to create a Comenity CD with that amount. Found out that new accounts have a TEN DAY hold on new deposits. I immediately had the money reveresed back to Ally. read more

First I want to thank all of you for displaying your frustrations with this company. Like Marlene in HI if I could give a zero I would and the first words out of REV. David in Palm Springs is, This Company Sucks I knew I wasn't alone. I thought it was just me being frustrated during this Pandemic and the financial hardship associated with it. Another company associated with them is Alphaeon Credit Union, they offer 12 months no interest when I had cataract surgery back in December. I pay my bills early and when COVID-19 hit hard they sent me an email (I didn't ask they emailed me), we understand your hardship please call us so we can help. I called on March 20th, was on hold for 38 minutes then spoke to the customer service department for 45 minutes only to be told we can't help you because you haven't been a client for 6 months. I immediately went on the web site because the rep told me someone would respond quickly, asking why would you ask if you can help only to tell me you won't? Today they finally replied with this, "Thank you for taking the time to reach out to us about your account. As the impact of COVID 19 continues to affect all of us, we want to apologize for the delay in responding to your message. To give your situation the care and attention it deserves, we ask that you please call the phone number on your card's billing statement and or on the back of your card, so we can talk with you directly. We're very sorry for the inconvenience and hope you'll understand. If you've already reached out and/or you no longer need us to address your concern, please don't feel you must reply. We appreciate your business." I feel much better finding out who this terrible company is and will not only pay off my account and close it as soon as I can, I will also make sure I have a paper trail with dates confirming all transactions. Thanks again and please be safe, Gary F. Corona, CA. read more

Comenity Bank, which holds accounts for many stores, is closing accounts for NO reason. I was sent a letter that stated they were closing one of my accounts due to "previous negative experiences with Comenity of Comenity Capital Bank." I have not had anything negative with your bank or any of my cards - always pay my account on time or before, and for more than the minimum due. Like I told the rep I spoke with on the phone - this is ONLY because of the pandemic - they are freaking out and closing accounts on people who don't use them very often. THIS is going to bite you guys in the end. I'll be closing every single one of my accounts ... read more

Could. We have a class against suit filed against commodity bank I would be very interested I purchased a $2.08 cuppa coffee at Bally's in order to get a free buffet lunch for 2. It took about six weeks for the bill to come I paid by check mailed it next month I got a bill for $72 saying that I didn't pay my two dollars I sent them a copy of my two dollar check it's now two years later and they're looking for $232 on a two dollar sale. After reading all the reviews about the bank I really think a group of us could get together and do a class action suit against them if you are interested you can email me at Blaxap@hotmail.com read more

if you want to open any credit card account be sure it's not with Comenity. They are a scam operation and I'm about to contact the FTC and my congressman and my senator. read more

Do not use them at all!!! They will charge you interest on an account paid in full before the statement cycle and not notify you.. plus the will charge you late fees for not paying an interest charge you never knew about and thought was good to go.. worst experience.. will not do business with any company using this bank read more

I applied for a Comenity credit card through Wayfair ONLY because I would be entitled to free shipping. I was denied with the explanation of incorrect SS number or address or some other BS. Just a bunch of Mumbo Jumbo that did not even make sense. I was looking for a phone number to call and found the reviews instead.THANK YOU!! reviewers. I am moving on. Free shipping is not worth the hassle l of Comenity Bank. read more

This is the most dishonest bank next to usaa and twinstar. they will charge you false late fees and deny it. if they give you a credit it isn't a full credit. they HATE refunding people's money. they will accuse you of requesting a credit line increase when you didn't do such a thing. they don't tell you if there is an issue with your payment. they deny payments to intentionally screw up your credit. they will tell you there is no payment due, but rack up late fees unseen until the next payment. you can have a zero balance and they will still try to say you owe money. they need to be put out of business. good luck trying to get a hold of a manager, the reps are so ignorant they will ALWAYS tell you there isn't one available. read more

I am leaving this review on behalf of my husband and daughter who both have an account with Wayfair and they cannot contact this bank to get the information needed to MAKE A PAYMENT!! They applied and we moved and no card was ever received and of course they can use the card when logged into the Wayfair site or app but can't make a payment! I have to point some blame Wayfair (and any other retail company using this bank) as well because they're allowing this! And the calls (mentioned in another review) that the bank makes to you is spot on! However, it's been well over 2 weeks now and NO NEW CARDS! It's just absurd and of course now it's affecting their credit and it's not even their fault! BEYOND frustrating! I've watched them both send multiple emails and call to try to get online access and NO REPLY & the call, this is when a new card was promised! Pretty sad and even worse, I notice that it shows if this is my business, so the bank obviously doesn't care. And it's difficult moving forward to know what retail cards use this bank! Hopefully I can figure it out because I will stay FAR FAR AWAY from ANYONE that uses this bank!! So sad read more

Please avoid if possible. You can make your payment on the day it is due, but at the wrong time (after 8pm) - right day, wrong time and they will call it late. The automated phone system is a nightmare. Avoid using or use sparingly - there are other credit cards and ways to pay that are superior. Don't risk your credit, take control of it. read more

Please see the letter to this bank's CEO!!! I requested a call or response in some way, but received nothing. I call Customer Service and receive no help. I had a dispute for $4,000 and provided Comenity with multiple documents supporting my case; they resolved the case in my favor on 3/25 and rescinded their decision on 4/18! This is total incompetence and lack of respect for their customers. They favor the businesses. January 7, 2019 Dear Mr. Ostler, I am sorry to have to write to you in full desperation and frustration. I acquired your credit card in October 2018 with the plan that this was going to be my new and primary major credit card. I used it for a $12,000 payment to a venue for my daughter's wedding on October 24, 2018. When I gave it to Bob, the owner, he did not want to take it and requested cash instead. I told him that I did not have $12K cash and for my own reasons, I was using my credit card. I was annoyed and shocked at his unprofessionalism to speak to a customer as he did to me. My reasons for using my credit cards are for the points, but mainly for the security if the merchandise/services were unacceptable. This would allow me to go back to the bank and do a dispute. I NEVER thought that this would be the case regarding my only daughter's only wedding! In almost 50 years of having credit cards, I have only had to file a dispute one other time with a vacation club. I paid thousands of dollars to a club due to promises made to me, but never received. I had used my Discover and Capital One cards for that transaction, thank God. The dispute went on for months, but once completed, I won. Both my banks informed me that I was being reimbursed for the amounts in addition to interest. They also told me that if I had paid using my debit card or check, I might not have been as lucky. Since then (10 years ago), I always use my credit card for everything! I tried to work with Bob (owner), Mike (owner) and Casey (manager); but without success. I finally opened the dispute in November via the phone. Your Customer Care representative informed me that I would be notified once they had questions. I waited a few weeks and called last week for the status; and was told that I lost! No questions, no documentation requested and no one cared! I received a letter that week which told me that they may need an additional 90 days to review and to send documentation if I had any. That is when I called them to find out that they closed it without my input. When I had opened it on the phone, your representative told me that I would be contacted when they were ready. I felt discouraged and without confidence in this bank's loyalty to their customers. Tara is my only daughter and I wanted her to have the wedding of a lifetime! I was a single mom with three kids who worked two jobs to support my kids; while providing them with everything they needed and much of what they wanted! I felt taken advantage of and lied to from the venue; and then from the people who were supposed to review and decide on my dispute. I have attached a spreadsheet with the details and dollar amounts, a detailed letter from me and three letters from guests at the wedding. These three guests were close friends who were aware of all my wedding plans with details, so they are very aware when they saw what was provided vs. what was ordered! I have spoken to other guests since the wedding and when I told them about my dispute, they began to tell me what they noticed had gone wrong. I have additional testimonials (negative) which makes me so unhappy for my daughter. I am so angry that individuals still have to fight big corporations for fairness. Please help me to show Bob, Mike and Casey that we count too! read more

How can this "bank" exist with so many bad reviews? Well here's another. My credit score is/was over 800 when I took out a credit card at Pottery Barn (only my third credit card) the charge of $59 came through when I left for France. When I came home it was (snail mail) two months late with extra charges - I called, paid it, moved on. I checked my credit rating recently and it had dropped from 800+ to 735 - with the only ding being that late charge. I have written Pottery Barn, Experian, I have talked to the manager at Pottery Barn. Basically they all say it is out of their hands. Well so is their card - I have canceled that - and I won't shop at Pottery Barn again. BTW I have no outstanding credit card bills - none! Too bad I was going to buy that Apothecary table! read more

Awful! I applied for an Ulta card and a Sephora card within 2 days of each other. Apparently the cards were intercepted by a thief while in transit bc Comenity called to tell me they suspected fraudulent transactions on the cards. I said yes bc I have not received either card. Comenity canceled the cards and reissued two replacement cards that day. I received the new Sephora card and called to activate it. Everything was fine. I later received the new Ulta card and called to activate it. The bank told me they had closed BOTH cards! They said our FRAUD department pulled your credit a SECOND time and noticed you have too many Inquiries on your report so we closed both cards. Wait WHAT?! Why did they approve my applications in the first place? Why did they pull my credit report a second time in less than 30 days? Third, the story about excessive inquiries was untrue so why're are you lying. What kind of bank approves a customer, upgrades the customer from the private label cards to MasterCard and VISA, then closes the accounts for no justifiable reason. When trying to resolve this matter, I spoke with a very rude and defensive supervisor in the Fraud department who kept speaking over me. I said this sounds like you all are holding me responsible for the two stolen cards I never received. I said I didn't conduct those transactions. Perhaps the cards were stolen from my mailbox. I don't know what happened to them but I never received them. I filed a police report as soon as Comenity Bank told me there were fraudulent transactions on the first cards. I notified all 3 credit reporting agencies and placed Fraud Alerts on my credit reports. She said our decision to close the cards has nothing to do with the fraud on the cards you never received. She said you're a credit risk. How is someone in the Fraud department now making an underwriting decision? Credit risk is an underwriting decision and the underwriting department had already assessed my credit worthiness and approved me for both cards at this point. Furthermore, I have good credit which is why they upgraded both my applications from the private label cards to MasterCard and VISA. Stay away from these people bc they're disrespectful, incompetent, unprofessional, and they have absolutely no regard for customer service. Thank you Comenity for accusing me of being a thief and lying about it by saying you rescinded your offer bc I had too many Inquiries on my credit report. That's hogwash. You people stink like hogs! read more

They back many little companies like new york and co. Unfortunately they don't offer to schedule auto payments to be paid in full as I have all my cards so when I travel it gets charged penalties. Everyone who uses these retail companies should not use their credit cards as this is how they make extra money, from penalties. Hey if they ever get with the program in the 21st century I'll get it, otherwise I'll just pay w is visa, master card or amex. I cancelled all cards associated w this bank. read more

This is the most unprofessional, unethical and unorganized bank I have ever dealt with in my entire life. They have incorporated all sorts of scamming practices in there terms of agreement and will charge you so many fee here and there. Like i said they are a TERRIBLE bank and don't use this bank at all. read more

I accidentally applied a credit card when I purchased some clothes in one limited store 10/2016. And that was the only purchase I made. Somehow when I tried to access my online account, I was told I should pay in store. Then I found the stored was closed. I didn't take it seriously, because usually credit card from the store is easy to take off those late fees. That is my bad. Recently they began to call me many time during the day, which is totally harassment, to ask me to make the payment. The total charge of late fee and financial charge is more than $90 within 3 months! And they just can't explain clearly how those charges was applied to the account. And the statement they said they mailed to me 20 days ago, I didn't receive anything. Today, I called again twice and tried to know how those charges happened if they want me to pay. Finally this online assistant provide some actual help, I can see my account now. Terrible! I just found there are so many bad reviews about this Comenity bank! !! Terrible! read more

My husband and I had a Commenity Bank Total Rewards Visa. On December 17, 2019, I called a specialty restaurant in Annapolis, MD and had crabcakes mailed overnight to our home in Colorado. On December 27th, I received a text alert that my credit card info had been used in Annapolis MD for a restaurant I had never even heard of. I called Commenity's fraud department and spoke to a 'Gary'. Gary informed me that there had been an additional charge for another restaurant (a pizza delivery) in Annapolis MD. I told Gary to cancel my card effective immediately and send me a new one. On January 7th 2020, I received a text alert that my credit card had been used again. I called Commenity's fraud department again and found that my card had been used for numerous food deliveries in Annapolis, MD. My card had not been cancelled. Instead, the fraud department cancelled my husband's card. His card information had not been stolen - mine had! My husband and I both told the fraud department to just cancel our cards altogether - that we no longer wanted them. As of today, January 20th, charges have still been made to my card - amounting to over $500! All I am told is that the fraud department is investigating the matter and it will be finalized by April. Do not get Commenity's credit card. Total and complete incompetence! read more

this is by far the worst interaction I've ever had via phone, website crashes constantly. wait times on the phone are usually 30 min+ just to talk to someone who clearly has no idea what they're doing (files incorrect dispute numbers), so I get the "account specialist" who also barely knows what to do, followed by "Jennifer the senior account something" who is then rude for the mistakes that her employees made. overall worst possible place to waste your time and money. closing the account ASAP read more

Horrible. They're terribly rude on the phone, demanding your full SS number before even identifying who they are representing and what they want. I always pay my bills on time and use auto payments, which they said they couldn't do so when I was accidentally two days late, they sent MULTIPLE texts, phone calls and emails EACH DAY. I'm getting away from these people ASAP. read more

OMG! So not the end. When canceling my card on March 27th, apparently "Manager" Rodney "forgot" to cancel the $149.00 fee. I'm incredulous! I found this out because 2 weeks after canceling the card that I've still never received, I got a reminder to pay my annual FEE of $149.00! So once again I got on the phone, and who should answer, but yet another of their kind, lovely customer service representatives. They're just so darned nice, so 5 stars for them! She took all of my information, and said she was canceling the fee, and that it should have been canceled when I canceled my card, but it must've "slipped" manager Rodney's mind. She was really into benefit of the doubt, which I'm normally a big fan of, but not this time. That manager with his "no questions asked" talk, most likely didn't forget to do it, but I'm just hoping this really is THE END of the worst experience with a bank that I've ever had. -The End?- read more

Horrible bank! Unfortunately I have several cards with them. I pay on time and pay off balances quite often. The problem? They will decide to LOWER your credit limit for NO REASON and it affects your credit score. I'm filing now with the better business bureau and state attorney because this is basically fraud! I've never been late or missed payments and this keeps my credit score bouncing around! I suggest everyone do the same!! read more

In September 2917 I purchased $37.63 in merchandise from Christopher Banks. I paid that invoice in full by the due date of September 5, 2017. The amount was not posted until September 7, 2017. As a result the amount was adjusted to $28.43. The logic of this escapes me. I denied the charges with a call and letter to Christopher Banks. As of today that amount has escalated to 241.12 in interest charges. It has been reported to the credit bureau and shows up on my credit report. I have written to all three credit bureaus and complained to the State of Ohio read more

Horrible customer service. Sat on hold for 10 minutes after fighting with the IVR just to get a live person. Come to find out your site is down to take payments. (A consistent issue) I just charged the card yesterday and wanted to pay it completely off but your extremely rude, unsympathetic customer service rep advised that unless it was 'due' today that I would be charged $9.00 to pay off my card. How are you going to inconvenience your clients by having a shotty website and charge us not even the going rate to pay over the phone $5 but $9 and refuse to waive that fee due to your error in maintenance on your website. HORRIBLE business model and service. Work on a better model and treat your clients like customers, not employees that are held to YOUR standards of business but theirs. read more

Never again will I use Comenity Bank for anything !!!!!!!!!! Was charged interest on my account when balance was paid !!!!!!!!!

I have several accounts with Commenity. They do not offer auto pay but has been promising to make it available for the last few years. The way they have it set up makes it seem like they are a predatory lender. There have been times that I have pushed through my payments on multiple accounts and somehow that month all of them were missing the payment. After paying off the accounts I will no longer use them. read more

I opened up a credit card with this company through Victoria's Secret which was such a bad idea. The fee's to pay for this card over the phone was $20 even if you're making a $50 payment. I had $20 left to pay and I slacked off for a few months and next thing you know my balance was $275.35, due to the fact that I slacked I thought the fees are reasonable and I paid it off by going to the store to pay it in order to avoid the $20 fee over the phone. This company had woken me up multiple times in the morning which is pretty inconvenient for me because I get off work at 2 AM and don't get home until 3 or 330am. Around 1030am comenity bank calls me and woke to demand that I pay or a balance that I had already paid off and due to the fact that I had trusted Comenity Bank I was very careless with the receipt so I went into Victoria's Secret to get a reprint of the receipt and the employee there said that they don't do reprint so I went home and called customer service and they said that i should be able to So I went into the store again and demanded that they give me my receipt. the employee said that the wi-Fi was down and that I needed to come back again so I went back next morning and got a receipt. After getting the receipt I called Comenity bank and gave them all the information on the receipt down to the till number. just when you think that it's all over, again, I was wrong. I kept getting calls from their representative harassing me to make my payment and they told me if I made it than I need a fax the receipt so I did and still issue had not come to an end. They said that they would call me if they had any further question but they still had collections called me demanding that I make payments that I had already made in December 4, 2015. It is now February 25, 2016 and my issue is still not resolved they said that my card was charged off and is now close so I would need to make my payment to avoid get sent to a third party. At the end I ended up talking to one of their representatives who ask me,why didn't I just dispute it? and I told him I did and he said nope there is no dispute on my account. Now I have to write a letter to them and mail it off to dispute it. just so that it gets to their p.o. Box asap I even paid $23 for the express fee just so the problem can be resolved in a timely matter. At this point it's my issue is still inconclusive. So I will be filing a small claims for harassment and inconvenience. read more

Cardholders beware! If you so much as go one minute past that 6:00 p.m. cut off hour, you will be charged a late fee.

Horrible customer service. Don't call regarding an issue with a retail store card. They'll just tell you there's nothing they can do and send you in an endless loop of phone calls and messages. No problem. My resolution, close all my store cards with Comenity. Maybe the retail stores will get the idea this company is costing them a lot of money in lost customers. read more

These people are loan sharks. I went to Modern Dentistry, in Aurora, CO with a chipped tooth from grinding my teeth at night, I just wanted a cap to smile again without being self conscious. They told me that they couldn't cap my tooth, they would have to pull every tooth out of my mouth and replace them with implants. Birds of a feather flock together. Modern Dentistry fitted me with a mouth piece that I could have picked up for $19.99 at Walgreens. That said they billed me $500-$600 I left w my chipped tooth and a shitty mouthpiece. Their partner Comenity Bank, I was making a $60 payment every month for 4 months and then I received a bill that was right back to square one as they added on a penalty as apparently in small print you have to pay by a certain date, unbel or explained to me, an exhorbitant penalty. After several months of duress they threatened me, my balance more than the bill for the shitty service I received at Modern Dentistry on South Havana St. in Aurora, CO. I relented and offered to pay the balance in 2 payments. Was told that was not an option. So my balance being zero, I receive a nastily worded letter saying they were lowering my credit w them to $300 lol they have balls. Hey Comenity Jerks, lower it to zero, I will never use anything with your name on it again lol nor will anyone I ever meet again. Modern Dentistry will get the same review. I only give you one star, as apparently 309 others. You have a One-Star rating. Your CEO should be fired. Loan Sharks and D-Bags as the cherry on top. read more

I spent 2 hours today trying to make a payment and get the horrible reviews taken off my credit. You can not talk to someone in the U.S. unless you go through some other country and people that don't speak English. They messed up my credit rating...and my husband's ...because they lied about setting up payment arrangements...and then did not do what they said they were. Now...I have paid over $1200 on my account but they are not clearing my husband's account with the payments. Says he still owes $3900 instead of $2200. I hate them! read more

VERY DISLOYAL INDEED!! I had applied for a credit card with Express. The card was operated through Comenity Bank. I closed the card down. Months later I received a call stating that the card apparently had a balance and they have been sending me letters. I ASKED FOR THE BALANCE WHEN CLOSING THE CARD. I WAS TOLD THAT THERE WAS NO BALANCE. Now months later I receive a collection phone call about a balance of $36 that turned into $211 with late fees. Apparently they have been "trying" for MONTHS to get the repayment. Yet no MAIL or PHONE calls to me. I argued with them, and then finally paid it off. A few months later I get ANOTHER CALL for another balance for the same express credit card through Comenity Bank. Are you kidding?? This time they told me that there were some late charges that were never paid. I argued for a while and PAID THEM ONE MORE TIME FOR THE SAME "BILL" and this time demanded a letter from them saying that the account has been closed, and wanted this to be completely over with. They promised to send it, but I never received it. When I asked for an email, they said they do not send emails and verified my address to ensure I will receive it. Now, in 2015, apparently they did a charge off in June of this year saying that the business had to take a loss. Come to find out, when I ran my credit report, in 2013 they did a charge off and one more in 2014. Also, they are keeping this open til 2021. How is this even legal? Being reprimanded for an account I closed, paying for the late fees for an account I never knew existed, and after all that, having ELEVEN COLLECTION AND ONE CHARGE OFF on my credit report from them. I used to have REALLY great credit. In my credit report I had 12 collections listed. 11 was from Comenity bank. One of them was my fault. I had student loans and I didn't keep up with it when the lender changed. But everything else is FLAWLESS. Now I feel like their hostage. They have 11 collections noted and a charge off they renew EVERY YEAR. HOW IS THIS LEGAL, ESPECIALLY WHEN THEY TOOK MY MONEY TWICE!! There is no way this business should stay in business. They will not even provide me with a letter that states that account is no longer active. I started a business last year and my credit card application got rejected, my refinancing for my home got rejected. And because of Comenity bank's charge offs and collections. Who would throw their life away for $36?? At this point I have paid this bank $422 (for the original $36) and they are renewing a charge off on a yearly basis that stops me from running a business. Is this so they can show their business in deficit to the IRS? Someone should reach out to express/victoria secret and any other shops you provide services for and let them know how you are causing them business. I have been turned off from both retailers as I thought choosing a fraudulent bank was a poor reflection of their decisions as a business. What happened to ethics in business Comenity Bank? What do you plan to do to rectify this situation. read more

These people are ridiculous! They call people not even connected to an account holder! Seriously how can they call people that have nothing to do with an account! I will never deal with this bank again! read more