About ComenityReviews of about.comenity.net

Horrible experience. No customer service whatsoever. Don't wait till you have an issue and need assistance from their customer service. Will be none other than pre-scripted messages. Avoid if you don't want frustration

Very unhappy with payment processes, extra fees to get the invoices and billing practices. Customer service and the staff as unhelpful and the overall service as poor. Do not do any bussiness with this Comenity Bank

Terrible customer service been with them for years missed one payment cause I was sick and they suspended my card. I only owed 52 dollars.

Horrible banking experience. Couldn't get my name and email updated after multiple petitions to do so. Trying to pay my payments through an absolute nightmare of an app experience. Ended up in collections twice because they wouldn't change my information. The final kicker was paying up to date to be told I was one day to late and would receive additional late fees. Would not waive it even though I had tried multiple times to correct the situation. Will never work with this bank again.

Absolutely THE worst. They make it hard as possible to pay the bill. Oh, you can pay by phone, for a $9 charge. Had a check sent to the a month in advanced, only to show it not received, until 2 days after the due date, and they tacked on a $30 late fee. Want to talk to a human? Forget that, not available. Can't wait until the balance is paid off so I can shred everything to do with Comenity.

Just absolutely terrible. They cannot get anything right, and seem to take pride in it.

Sadly, this company is quite delinquent. Ann Taylor uses this bank for their credit card. I went to make a purchase and discovered my card had expired on 10/25. They did not send out the new card. What company doesn't stay on top of keeping their customers' credit cards from expiring? I called to request a new card. They said it would take 48 hours. This was on Tuesday—then the weekend came and went; still no card. I called again on Tuesday, a week later. I'm not sure what happened to the 48 hours, but the representative said 7-10 business days. Not understanding their delay. I'm missing sales this holiday season and lost out on items that sold out. It's my birthday month as well; wanting to cash in on the sales, but can't seem to. By the time I get my card, it will be 3 weeks later from my initial request. I told them once I make my purchase, I'm out. I'm canceling the card. I've been a on-time paying customer for years and they can't get their act together to stay on top of processes. I requested them to overnight my card after this botched effort. And yet, they wouldn't. Who wouldn't try to keep their customers? No effort was made!

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.