About ComenityReviews of about.comenity.net

Been trying to resolve a charge on cc for over 5 months ... Over 20 hours on phone and over 20 communications secure email, email, phone calls, and actual letter providing all information. They are now trying to add interest and have posted a negative credit report... I need to get a lawyer involved to deal with all this heartache... Do not do business with this bank they are horrid at customer relations .... over and over I need to repeat what is going on over and over they say they will fix it then nothing... Be aware I would give a zero rating if it was available

I could give it no stars if I could! I paid my fee before the due date but they sent me a returned fee Of $28 because I put my card in wrong the first time! I HATE ULTA BEAUTY FOR THIS. will never shop there again and will never go with any bank that is comenity bank. I warned anyone before getting this bank card! WORST CUSTOMER SERVICE EVERRRR. NO COURTESY FIRST TIMER EVER. if you didn’t know that there is a fee for putting your card in wrong.... well now you know & you will have to pay the fee for your little mistake. THIS BANK IS A SCAM. save your time and money ladies and gentleman

Worst card you'll ever have they don't even deserve a one star rating. For any prudent customer who is not willing to have a credit card company ruined their credit score, my advice for you is to run as far away from this specific company because they will steal your money and ruin your credit score. I open this card at a retail store, paid the cost of my purchase with my debit card, few months after the card was issued I got a bill for the product I had purchased when I had applied for the credit card, which I had already made there within the store. I contacted them and it was not rectified, then I went on to make the payments before the due date, didn't complain and I had them close the account. To my surprise, I was being charged late fees because apparently they never cleared my payments on time even tho I made more than the due amount before the due date. since they never cleared my account I was charged late fees months after months after reviewing my credit report because I had noticed a negative impact. Long story short I was made to pay unnecessary late fees which was due to their doing while they also negatively impacted my credit score. Word of advice, run as far away as possible from this credit card company. I have 7 credit cards with over $80K combined limits and by far this is the worst experience I have had from a credit card company. Worst card you'll ever own.

Zero customer service. These people are crooks, their customer service agents are incompetent, they either lie or are completely unaware of what their procedures are. Good job losing a customer, but I guess just like most banks you don’t care enough to get the issue rectified. I’ll know better the next time I get a credit card, if it’s with Comenity bank, I will pass.

This is the worst bank to ever do business with, they lowered all my limits to what I owed and destroyed my credit rating. I have all my accounts almost paid off, then they lowered the limits, so my credit score plummeted, and for NO REASON!!!

My comenity story begins with me looking around for a decent one year CD. After comparing rates offered by ten to twelve banks, comenity came in best at 1.25 %. Thus, I decided to put a significant amount of my life savings into one of their CDs. I linked up my checking account with their bank and went through the process, all online and pretty convenient. Then I waited. And waited some more. Days later I still had not even received a confirmation or a designated bank account number from comenity. I called their Customer Service and was advised that all was fine and dandy, someone would get back to me with all that information shortly. A few days later I called again, spoke to another Customer Service rep who told me he had to transfer me to someone else – and then the line went dead. No one called me back either, of course. The following day, after not receiving any kind of update, I called again. Once more I was advised that my application was still being processed. However, at that time, I noticed that their APY had dropped from 1.25 % to 1.00 %. Rather naively I mentioned this and assumed that comenity would honor the rate they had advertised when I signed up for their CD. Their rep made it very clear that I was living in dreamland: No. They would not. At that point, comenity had worn me out enough and I asked for them to immediately cancel my application and the transfer of money. Since then I moved the funds to a money market account with a different bank. Bottom line is this: Had I not bothered with comenity and wasted valuable time with them, I could easily have signed up for a 1.15 % CD with another, more reputable financial institution. By now the rates have dropped even further so I will have to wait it out and do just that once the rates are beginning to climb again, whenever that may be. In the meantime, I will never-ever consider doing business again with comenity. After all, in addition to all the aggravation, they cost me a good amount of (interest) money – quite literally.

They are the worse bank ever. They have heartless people working for for them who are reporting wrong information to the credit bureau and they don't see anything wrong with. Run away from this company. Worse customer service ever.

Run!!!! Do not just walk away from this bank. Need to return purchased items from Wayfair. From return department at Wayfair mentioned did the refund but the bank still charging the items after 1.5 months from returning the items. Called the bank June 3 at 16.19 and insisted to pay the items I did returned in order to be credited afterwards. So ridiculous. I didn't pay and then got late fee. Super ridiculous. Called and mentioned will credited all but in fact I still have to pay small amount which I have no appetite to contact and dealing with this kind of dumb joke. So, I just paid, lesson learned and never return!!!