About ComenityReviews of about.comenity.net

High late fees. No grace period. Extremely predatory interest rates, even if you have stellar credit. There is absolutely no reason to use them. Just about any other credit company is a better option. They took over an account that I had with a different company and made it considerably worse. Once this is paid I'll not only never use this account again, I'll never sign up for anything else they are involved in.

I have been a customer of Comenity Bank for years. Their computer payment allocation system interfered with my payments, causing me not to cover the full balance within the promotional period, and I was hit with over $1500 in interest charges. I complained, but to no avail. I am closing the account and will not be doing any business with them anymore.

In July 2023, I mailed a check to the company two weeks before the due date. I looked on the website for it to be credited to my account. When it was not, but a late fee was added, I followed up with a phone call. After an hour-long conversation, it was acknowledged that the payment had been received, and a "waiver" was applied, reversing the $30 late fee. For one year, I have made payments in store, to ensure I had receipts of payment date. In July 2024, I was again charged a late fee equal to the total of my previous bill, $20.72. I had made a payment, again in store, prior to the due date, but because a $2 "fee" was added at the last minute, my payment - which I thought to be in excess, because the amount owed was only $18.72 - ended up being .72 short. After another hour spent on the phone with customer service personnel outside of the country and in US, I was definitively told no waiver could be assessed to reverse the "late fee" of $20.72 to my account, even though both representatives acknowledged that I made payments dutifully and on time for over a year. Both acknowledged the .72 was worth charging me a late fee, and that fee could not be reversed. Most people would not waste time with a $20 overage. This waiver *could have* been applied because it the first time I was actually "in error." However, Comenity Bank is in seemingly in the business of ripping people off, not in the business of providing customer service. This Bank is EXPANDING - they are taking over others' accounts. BEWARE and do not associate with them!!! Save every single receipt.

Never trust this credit card. I opened it at Victoria's Secret store by mistake. I did not want to open this credit card, but the cashier offered it with a discount even though my purchase was only $44.95, not reaching the $50 to qualify for the bonus. I never received this credit card and made a payment by phone well before the due date. I even received a confirmation saying, "Your payment has been processed." However, after one month, I received a call from a private number, which seemed very suspicious, asking me to pay around $60 (I forget the exact amount). He said he had my information and could reduce the payment to around $30 if I agreed. Concerned, I called customer service and was told my first payment had been declined by my bank, so I had to pay all the late fees and interest that had accrued. I explained the situation and asked to just pay the $14.95, but they refused. So, I reported it to the CFPB, and they partially waived the fee to $15.44, but I still received a statement for $53.36. Indeed, this time I received it by mail. I called customer service again to confirm the payment and stated I would pay by check this time to keep a record of it. The representative told me I would incur another late fee if I paid by check, so I had to confirm my routing and checking numbers with her again. She told me she could not guarantee anything about the payment. She also mentioned there might be minor interest charges that I would need to watch for, even though I had already asked them to close the account. I requested them to send the statement by mail to two addresses, but they refused. Trust me, never open it; it is a disaster that you can't easily escape. I even suspect they purposely create late payments and then have someone call you every day from a private or spam number. They won't offer email contacts and limit phone calls to only payment-related functions. I hope someone with a legal background can expose them and put an end to this nefarious business.

Avoid these predators. Had an Academy Card issued by these people. I errantly missed one payment by a day. Always paid at my local Academy Store. Well later on they failed to process another on-time payment and I failed to keep my receipt from Academy. My bank showed nothing processed so they dinged me again. I paid the account in full in January and asked them to close the account. They verified via email my account was closed with a $0.00 balance. They have continued for 6 months to bill me on this closed account. I made a report to the BBB and they replied through the BBB that they don't handle complaints through them, I would be contacted directly by them. Within 2 days they retaliated by adding 2 more negative reports to my credit report. One 60 days late and one for 90 days late. No correspondence at all. I have written them with their confirmation email on the closed account attached. We'll see. If they don't straighten this out I will gladly drive to Ohio for a civil suit.

If there's less to a 1* rating that would be the choice. In response, says "first private fraud." Shame, there was no charge for a retailer.

Promotional sales will get you in the end every time. Unless you're one of those people who look at every statement, be aware of the promotional sales. It will be your downfall going with this company.

They hate people! $2.99/ mo for a paper bill was the last straw!