ComenityReviews of d.comenity.net

They think having an item delivered is "suspicious" and "potentially fraudulent". WAKE UP COMENITY! It's 2026! EVERY company requires items to be ordered online and delivered. This is NOT something that merits closing an account!

They stink. Period. Even when closing my account recently, I sent them a secure message within my online account requesting the account closure and they didn't even bother to reply. So I had to waste time calling them to find out that that had already closed my account - without telling me. TOTALLY unprofessional.

This is the worst credit card company! I would paid my bill in full and I would then not be able To use the card for two weeks to ensure the payment went through! It would process through my bank immediately. Their websites are always down, prohibiting payment. I was one day late on $30 paid in full and I was charged $33 late fee. DO NOT USE Sephora, Ulta or Saks credit card. Horrible. No customer service

Extremely disappointed with Comenity Bank. I repeatedly contacted Comenity between August 11 and August 17, 2026, asking them to either downgrade my credit card to a card without an annual fee or simply close the account. I made my request very clear and even sent written correspondence stating that I wanted the card downgraded or closed. Despite multiple conversations with different representatives, the issue was not properly resolved. I was then hit with a $149.99 annual fee for the upcoming annual period. What is most frustrating is that I did exactly what a customer should do—I contacted the company repeatedly and tried to resolve the issue before continuing with a card I no longer wanted. I eventually had to speak with Mr. Ortiz on September 5, 2026, yet I am still dealing with the consequences of something I had been trying to resolve for weeks. The customer service experience was extremely frustrating, and I felt like I had to keep repeating myself just to get a simple request handled. I would not recommend Comenity Bank based on my experience. Customers should not have to make multiple calls and written requests to get a credit card downgraded or closed and to have an annual fee addressed. I am now asking Comenity to waive the $149.99 annual fee and provide written confirmation that the account is closed with no balance related to that fee.

I paid off my card and closed my account. Then I got charged a few bucks, and within a couple of months it spiraled to over a hundred. They would not extend me any goodwill.

I had an extremely frustrating experience with Comenity Bank's dispute process. I filed a claim for a purchase where the merchant failed to deliver the product, and despite submitting all required documentation multiple times, Comenity repeatedly closed my dispute without reviewing any of the evidence. Their Secure Message Center blocked attachments, so I mailed a full packet of documents exactly as instructed. Later, Comenity claimed they "did not receive anything" and closed the case again. I received contradictory messages saying the dispute was resolved, then reopened, then closed, all without any meaningful investigation. Every response I received looked like a template letter. No one addressed the facts of the case, and at one point Comenity tried to route my claim into a dispute category that is not covered under FCBA protections. That is not acceptable for a financial institution. I spent hours preparing documents, filing claims, and trying to get Comenity to review the evidence. Instead, they ignored it and denied the dispute without explanation. I ended up losing $ 2,300, though I'm still trying to return the money I paid more than a year ago. Comenity needs to improve its dispute handling, communication, and evidence review process. Right now, it feels unreliable and dismissive of legitimate consumer issues.

Worst web site I have ever delt with. Reset password numerous times. Every time it rejects the password, asked to reset everything to start over, still will not work customer service did not erase everything. Still no access will cancel card.

As a Canadian customer this company has frustrated me so much. They are so incompetent and useless. They caused me more trouble getting payments made and actually messed up my payments so badly by not using my US $ account that it cost me hundreds of dollars lost in exchange rates.