ComenityReviews of d.comenity.net

Does not email payment reminders or statements. Missed a payment by 20 minutes and was charged a late fee because they did not inform me that I had a payment or when it was due. You can only find that info on their website, which is frequently down.

Comenity charged me $35 in late fees from a credit card bill for $49 from Michaels. I had waited to see the statement because I returned half of my original $80 purchase to Michaels and I wanted to make sure it was reflected in my new statement. 49.19. the rest was gouging charges for late fees and interest. Comenity bread was willing to reverse $15 worth of the late charges. I was waiting to pay in order to see that my return came through so I could determine the amount I needed to pay the account off in full. I did not receive any notice about the return being applied to my credit card bill. They sent me a misleading email Bill 3 days ago saying that a $37 payment was due on November 5th. Then this morning they called me and they sent texts to tell me that my account was late even though I received the bill 3 days ago. Community bread seems like an extremely unscrupulous credit card company to be associated with if you care about your reputation. I would like the extra $18 worth of fees and charges to be subtracted from my account. I do not think that comenity has the integrity to do that.

Approximately two months ago, my Comenity Capital Bank credit card was abruptly declined. I subsequently received a letter stating that my account was “suspended due to suspicious activities” and warning that if I did not contact the account recovery team at 888-282-5157, the account would be deleted within 30 days. I immediately called the number provided. When I asked why my account had been suspended without any prior notification or attempt to verify the activity with me, the representative refused to disclose any details. I was told only that I would have to wait for a letter in the mail containing instructions to restore the account. Three weeks passed without any correspondence. When I called again, another representative admitted that “the letter must not have been sent” and claimed it would be mailed at that point. Nearly two weeks later, I finally received the instructions. I complied in full, mailing all documents requested. For weeks afterward, I heard nothing from Comenity. When I called for an update (09/05/2025), I was told my account had been closed and that a letter was “sent yesterday” explaining the closure. When I requested the reason for the closure and the outcome of any investigation into the alleged suspicious activity, I was again refused any information and told to simply wait for the letter and call back. This conduct is deeply concerning for several reasons: • Failure of due process: My account was suspended and closed without any meaningful opportunity to confirm or contest the alleged activity. • Inconsistent and negligent communication: Letters were delayed, never sent, or admitted having been “forgotten.” • Lack of transparency: No explanation has been provided at any stage, despite repeated requests. • Potential credit harm: I have no clarity on how this closure will be reported to the credit bureaus. If listed as “closed by creditor,” this will cause unjustified damage to my credit standing. In my view, this behavior reflects a systemic failure in Comenity Capital Bank’s account management and consumer protection practices. It constitutes unfair and unreasonable treatment of a customer, and raises serious concerns under federal consumer protection standards. ________________________________________ Desired Resolution 1. Provide a full written explanation of the specific “suspicious activities” that triggered the suspension and closure. 2. Explain why required correspondence was not sent in a timely manner, forcing repeated follow-up calls. 3. Confirm in writing how this account closure is being reported to the credit bureaus, and immediately correct any negative or inaccurate reporting. 4. Guarantee that no fees, penalties, or other adverse actions will be tied to this closure. 5. Issue a formal acknowledgment of mishandling and corrective steps to prevent recurrence.

Account suddenly inaccessible; withdrawal request denied. but got my money back with check name

Horrific customer service. When their team member couldn't resolve my issue and I asked to speak to a manager, he then put me on hold and they hung up on me.

Comenity closed my account while open with due amounts due to my updating my email address and phone number. The email address is a privacy-focused one, completely legitimate and above-board. The phone number is also completely legitimate and above-board. They gave no reason for their decision that is humanly understandable.

Worst financial service company ever encountered. Their CC services are pathetic. Never grt a card from this organization.

Comenity seemingly used trickery to screw me out of my interest reduction. They did this by making it extremely difficult to get access to my account number to reset my online credentials (I gave up) Then not notifying me by email when an important milestone was not met and I incurred a huge interest charge. Feels predatory.