ComenityReviews of d.comenity.net

STUNNING INCOMPETENCE AND/OR BAD FAITH. Comenity cannot or will not handle a simple, timely request to apply cash-back points equal to the balance owed. (Other credit card issuers have done this for decades.) Four requests, verbal and written, have been variously ignored, misunderstood, or evaded for no discernible reason, and spurious interest and fees have been added to the account. Of course, I will not pay them a cent, and I am wondering where to lodge an effective complaint.

I have tried to get a BHPhotoVideo Payboo card through Comenity Bank via the BHPhoto website, and got no reply emails at all from them. Calling the BHPhoto Payboo line - they indicated that I had a credit freeze at one of the 5 credit reporting agencies they use (2 of which I was unaware of before the call). I confirmed that all agencies had temporarily removed my credit freeze (which I normally keep frozen), but still not able to get a card. I have an "excellent" rating, but can't get a card through them. I had a Payboo card through BH's previous carrier - Synchrony Bank, with no problems...but now can't get the new Payboo card. I was ready to purchase another camera body, but could not, so now, BH doesn't get my purchase, and I am a dissatisfied customer, frustrated, and no camera. Ridiculous.

Applied for a B+H Payboo card in late summer of 2024. The card was issued, and activated. Didn't initially use it. A month later, the card was suspended, with no explanation offered. Re-applied for the card in early may of 2025. The same card was sent out, with the same number…the card which had been suspended. Unable to reactivate it. Unable to apply for new card, because the significantly retarded Comenity services alleged that my phone number was not valid. This is a phone number I have had for over 12 years. Countless hours have been wasted talking to Comenity support on the phone to try and resolve this issue. But no luck. I f inally gave up. They are too stupid, too unprofessional, too incompetent to waste any more of my precious life. B+H loses too, as they have forfeits me as a customer.

I have been a loyal VS customer for YEARS. Always paid my bill on time, even early most months. Last month on the 13th of May, before my due date of the 19th, I was actually paid off my card balance and had a zero balance. On the 25th of May, almost 2 weeks after the posted payment, I have a bill for $26+. I call them to ask why I have that balance, they said it was interest charges. I asked what they are charging interest on when there was a zero balance. They claimed they hold charging interest charges for a month! Seriously?! First of all, that is unethical, second I told them, even if they held the interest charges, once the 24th came around, when they evaluate what the interest charges should be, it still should have been ZERO! There was nothing to charge interest on. I went back and forth for about 20 minutes only to end up getting so frustrated, I told them to cancel my account/card and I wanted nothing to do with them anymore. I didn't want to close my account, but there is no way I will continue to support a company that has such shady behind the scenes practices. I have paid the $26 and hopefully will not get another bill next month for interest on the interest of zero balance. They lost a LOT of business, from a loyal customer over $26 of ridiculous interest charges that had no business being charged. VS, do better. Get an HONEST financing company that doesn't look for wants to still get money from you after you pay your bill off. So, in conclusion, even if you pay off your bill, expect a bill the following month for phantom interest charges, because they will still charge interest on a ZERO balance!

I left a review for Victoria Secret yesterday. This is a continuation to thus review. You see, VS hired Comenity Bank to handle their credit customers. So, anything Comenity Bank does is a reflection on VS. I had to contact Comenity through my credit account in order to communicate with anyone. Comenity does not offer customer service as most do. They screen their calls and hang up when you try to speak to someone. Anyway, I sent a message with my concerns. I explained that I was a customer for 30 years, that I had never had a late payment and that I never received the electronic invoice. They responded with cancelation of my credit card and a condescending message. N. Maya stated that she did check my account(s) with Comenity. She claimed that I had an account closed due to a write off or an extremely past due amount. THAT IS A LIE AND IS DEFAMATION! I can prove that what Ms. Maya stated was a complete lie and I have proof that she said it. Not that I had accounts with Comenity Bank, that did happen. However, one was from over 6 years ago and the other 13. They were canceled due to "no use". I will never do business with Comenity Bank again or with anyone that uses this bank!!! Beware!

Before filling out a credit card, ensure it is not managed by Comenity Bank, also called Bread Financial. They have a list of issues; one is that they do not know if they perform a limit increase on an account, whether it will be a hard or soft inquiry. I have asked my other credit card providers, Synchrony and Capital One, and they know the answer immediately. The second issue is that they will create a separate website and log in for each credit card you have with them. Others will combine the logins with one website and one account. The third issue is their support agents are bots. When you try to ask a logical question, they copy and paste a response and will do this repeatedly even after the conversation has progressed. A notable example is that they asked me to contact Equifax to decide if Comenity will make a soft or hard inquiry for a Limit Increase Request. I contacted Equifax, and they said I would need to contact Comenity; there is no way for them (Equifax) to know how Comenity limit increase applications work. I informed the Comenity agent about this, and they copy paste the same thing, asking me to contact Equifax.

They kept sending application to apply for the Ulta Card . The people at Ulta even mentioned to sign up . Anyone that signs up for a card should check reviews . Comenity has so many horrendous reviews . Even the bank attached to Target Circle Card . Stick to your regular credit card . Store credit cards have the shadiest reviews .

DO NOT USE IF YOU DON'T WANT TO BE RIPPED OFF! All banks suck - this one just sucks even harder. Double-billed me for interest charges and refused to refund the bogus interest charges. Website sucks. No way to lodge a dispute on their website. Have to call in and end up speaking with reps from Indian whose accents are so heavy, you can't make out anything they say to you. Stop doing business with these criminals if you don't want to be robbed,