Comenity’s earns a 1.0-star rating from 231 reviews, showing that the majority of cardholders are dissatisfied with credit services.
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Unable to make payments due to the Global pandemic
I was laid off due to the COVID shutdown. I made payments to my account until the government cut off the $600 a week. After that I was only able to pay for the roof over my head. I called Comenity Bank- Buckle several times to inform them that I couldn't make the payments due to COVID. I was told there is nothing they can do. I even made partial payments but my credit was still dinged. How can creditors except you to pay your bill if the ENTIRE WORLD was shut down due to COVID. This is not something anyone could control. I've had my account since 2011. Ive paid my account on time up until COVID. People had to choose! Have a roof over their heads and food or pay these bills.
Desired outcome: Want my payment history looked at and fixed.
NFL extra points card
bank is not Giving me credit due from a cancelled transaction in amount of $1829.65, charged when card was under Barclay. Refund given after transfer of bank from Barclay to comenity. Need my money...! Cannot get through to any agent to help you. When you finally do..they end up disconnecting you, or re route, and re route..close this bank out of business ASAP
Purchase 2/2/22
Transfer of banks 4/24/22
Refund given 7/2/22
Desired outcome: credit in amount of $1829.65
letter request
07/14/2022, Requested letter for Refi, was supposed to be mailed/emailed, as of date I have spoken to them via telephone at least 10 times. I am a 100% Disabled veteran trying to improve my financial status with time constraints, I am being given the run around., with no consideration to my situation. I need a letter asap. I am not in default and do not consider my request difficult. I have emailed them with no response, i have called them and get a different story from every person I speak with. this is detrimental to my future for things i need to address. i am so distraught i have no clue what to do? Help!
Desired outcome: letter
Comenity - bjs credit card
After calling several times customer service and waiting for a long period of time to report a fraudulent charge two months ago, customer service was horrible. They cancel my card when it was my daughter's card, in addition, I never received my card in the mail. After trying to contact customer service again, there system was down. Then my wife started to experience issues with her card. I called again customer service to explain the situation and was told I had to verify my identity with them by mailing my utility bill, which in my opinion was ridiculous. I can close my account but not able to obtain a new card. I have been with bj's comenity for several years, I will no longer use them nor bj's. Shoppers be cautious comenity is not a good bank nor have good customer services they outsource to foreign countries their services. Horrible, horrible, horrible.
Total rewards visa credit card
Comenity bank changed my expiration date on my credit card without notifying me or sending me a new card. This has caused embarrassment when I tried to use my card and have it declined. It's caused hardship, a pain in the [censored], to have all my automatic payments changed because my cars was declined. This has been going on for over a month down, i've called at least 8 times and send messages to try and get it fixed. I was told 3 weeks ago that a new card would be sent to me, i'm still waiting for my new card. Now the web site is down again I can't even get in to check my balance, purchases or see if my payments got credited. I just hope my credit score is not screwed up because of this!
Desired outcome: Send me my damn card !
Ulta mastercard
I paid my card off in the amount of $1,224.85 - When I checked my account online, they said my payment was not received and even though the money was taken from my account on 06/29/2022 doesn't mean it would post by then. Well, after calling and calling and CALLING, I was told that I had incurred finance charges and interest on purchases. Ridiculous. Then, I get TWO identical bills in the mail. Both had my name and address. One showed a negative balance of $1,224.85 - but the account number was not mine! The other showed an overdue balance of $,1313.83 which WAS my account number. When I explained this on the phone after waiting 45 minutes, the rep said she wasn't sure how to resolve it so she was going to put me back in the que! Oh no you're not! I've wasted HOURS on this and every time I try to call Comenity bank, I get the same recorded message that they are experiencing longer than usual call volumes. No kidding? Once this is resolved, I will never us a Comenity card again. EVER!
Desired outcome: I would like the payment I made of $1,224.85 applied to MY ACCOUNT and all finance and interest charges removed.
I'm having a similar problem, the website is saying my account is overdue and it's not and I have been charged a late fee that was supposed to be taken off yet its still there. Every time I try calling I can't get in touch with anyone , I've even tried emailing to no avail
website has been done for 3 months
I have several cards with comenity and I need to do my business online. I am more than frustrated at the fact that I can't get into any of my card accounts online. I have had to request statements and make payments online. We are in the 21st century right!?
I am really over the stupid messages but nothing is fixed and to call customer service is a 30-minute wait.
It is a website for god sake.. .get a tech to design a new one or fix the old one.
Desired outcome: ability to get online with my card accounts
Comenity mastercard / bj's
I Have been unable to contact via phone or website because card is declined trying to use anywhere. I am up to date on all payments and have never been late.
The main reason I have the Comenity BJ's card is the discount at the gas station. I understand if issues occur and corrected in a timely manner, but this has been going on for at least 3 weeks now.
IKEA Projekt Card
Ready to purchase our new kitchen, we applied for and were approved for our necessary limit Monday, July 11th. In the store, we were told they were having issues getting payments to go through within the first 48 hours of opening the card and told us to come back in 2-3 days. We returned Thursday, July 14th to make our purchase and even though the IKEA log in to our account showed we had sufficient credit, our transaction was declined. The IKEA associates told us the only thing we can do is come back when the physical card arrives. Tuesday, July 19th we received the card, immediately activated it and headed to the store to make our purchase. Slide the card at the store for the purchase, and DECLINED again. Log into my Comenity online account, and see we have plenty of credit, so we run it again, and still declined. I call the 800 number on the back of the card and an auto transferred from the customer service team to the payment protection team and then get a message that office is temporarily closed. I called back again this morning and had the same outcome. I have now submitted a customer service request through the Comenity credit card online portal, and have had no response yet.
Desired outcome: We're looking to have our card "turned on" or whatever it takes to make it work so we can make this purchase.
Ulta Beauty Credit Card - phone representative
have been on the phone for about 20 minutes with Commenity Bank associate Rafael. They refused to provide me with an extension or associate ID number and hung up on me when I asked for this information. I called because a long-lost friend of mine received a voice mail from number [protected] ext 1510223 - (the name was difficult to catch) - about a personal matter for me - Ulta credit card. Of course, my friend let me know and was concerned that this was something very urgent or that I was in big trouble. I reached out to Comenity and spoke with Rafael; he was insulting and unprofessional and worsened this situation.
He never apologized, talked over me, and told me my payment was seven days late and so much more that did not make sense and when I questioned he told me if I argue he will end the call. I have never experienced such treatment in my entire life. Instead of contacting me directly via phone, email, text, or m, or mailing a letter, they chose to google names, find someone I had an association with, and reach out to them instead about my personal matter. This is humiliating. Payment was not even 30 days past due. My Ulta Credit Card is in good standing otherwise, and there was no reason to contact someone else about my bill that is seven days late before trying to reach out to me directly. I understand the payment was late. However, that does not justify and give anyone a right to invade someone's privacy. This action by Ulta Credit Card has caused personal damage by ruining my reputation, and forced my friend and me an unnecessary scare for 7 days past due bill. This is humiliating and I feel like my rights have been taken away. This whole situation will result in me never using this Ulta Credit Card again and never go to do business with ULTA in general. This is the worst experience I have had in my entire life while doing business. This is definitely harrasment.
Bye Bye Ulta.
BJs Credit Card
Bank phones say that the bank offices are closed. They are returning bank check payments and the cards do not work
Desired outcome: Account reinstated and payments shown in accounting
Website to make payments
This is the absolute worst credit card company I have ever seen. Barclay never should have sold to you. It's been months and I can still not log into your sight to make payments. I recently (just before you idiot's bought out Barclays) did a balance transfer or I would definitely close this account. And you can be sure that in the very near future I will NOT have an NFL credit card with you. Common over 2 months and you still can't get it right. Hire a damn support team that can fix your issues.
No online access to closed accounts to make payments
I have several comenity accounts that closed earlier this year. I continue to make payments on time online. Since late June I have not been able to access the accounts. I have called every phone number for the various accounts but they either do not answer, answer and put me on hold then they drop the call. How is one supposed to make payments. I always did it online so I do not have the account numbers.
Desired outcome: I would like to be contacted, given all the account numbers and have paper statements for all the accounts sent to me on a monthly basis until they are paid for in full.
Payment not received
I made a payment on July 2, 2022 in the store. When I got my bill it did not reflect. I've been trying to get a hold of customer service for this matter for 2 weeks! I have my receipt to prove a payment was made. This is totally unacceptable... I've spent countless hrs on hold them just get disconnected... I need someone to get in touch with me ASAP bc my next step is the BBB!
Desired outcome: Have this matter taken care of, then I am closing this account...I will NOT deal with commenity bank ever again
Failure to process payments and and addition of late fees.
I have never missed a payment or incurred a late fee on my BJ's Credit Card. I pay through my bank's electronic payment option. Comenity's system has been down for nearly a month, showing only purchases but no payments that have been made. In the meantime, late charges are being incurred for statements that have been paid in full. Representatives are clueless and unable to provide help. Comenity's explanation is that the website is being updated.
This evening (July 14, 2022), I first spoke with someone in the Philippines, who had no idea of what I was talking about. I then got switched to someone in Ohio, who acknowledged that the system was down for "upgrades" but provided no help in crediting the payment made on July 1, since the due date fell on the July 4 holiday and I did not want to incur a late fee. I am now on hold waiting to speak to a supervisor. I've been on the phone for nearly an hour waiting for an answer to a problem for which Comenity is fully responsible and I would like to know how this bank is able to operate, given its
incompetence and failure to take responsibility for putting Bj's customers through this aggravation. And what is BJ's doing about this? Why is it still using this bank and why hasn't a complaint been filed witth the appropriate regulating agencies?
Fraud on account - impossible to contact them
On 7/1 I received a text from them that a purchase of $98.66 had been made. Texted back NO and called the number given. Impossible to get through to them. Called several times. Statement comes in with $688.88 due. Called number on the back, offshore rep, impossible to understand. Wanted another card number to put a Financial Help magazine for $4.90 for 4 months. I said no. He said he couldn't help me them. Insane. Hung up. After looking around the internet, your best chance of help is through Auto Protection Fraud, call them at
[protected]. I had to hold for about 15 minutes but it was so worth it. They found out that the company credited my account and would issue me a new card. Told the guy, no, I want to cancel my card which he could do. I don't know what problems they are having but this has gone on way too long for me to feel comfortable dealing with Comenity.
Desired outcome: Would want them to clear the account and close the account.
Comenity Bank Master Card
Fraudulent use of my card during February & March, I believe, but I can't get into contact with Comenity Bank to report it and get to the bottom of it. They don't send me statements, and I need to see the charges made on my account. The balance should be no more than a few hundred dollars, and it is well over $6,000. All I get is a balance and minimum due.
Desired outcome: I need statements for Jan., Feb., March, April, and May of 2022 to determine fraudulent charges.
BJ Comenity Bank master card
I have used this card for years. Never late and paid in full most months. Now for the past week all my orders have been declined. I called the bank to no avail, I left messages via text, emails but no response. I left a message on their message account, email and message through the app. I wont make any payments until I hear from them because I need to know if fraud is involved. In the past there was always an avenue to get ahold of a person or email but I am being completely ignored. I called the [protected] on the card and I only get recording and then says hold for operator then recording comes on and says call back when were open. I called every 2 hours and same recording is played
Desired outcome: I want to speak to a rep and be certain there is no fraud. Also why is my card declined
I've had the same trouble. On June 19th. I called to advise them that there were charges on my card that didn't belong to me. It took over an hour before I could talk with a customer service representative. After I explained the problem I asked them to send me an email acknowledging that they received my complaint. They never did and I called back on the 22nd.and after waiting another hour spoke with Eric in Columbus, Ohio.He said Comenity never sends out emails but the fraud charge had been noted and they were working on it and would notify me when they had a resolution. A day or so later I went to use my card and it had been cancelled with no notification. I probably spent another four hours trying to reach someone but kept getting a recording that their system was down and to try later. This went on for another 4 or 5 days and then I received a new card in the mail but again there was no way to activate it.Finally sometime after July 4th. I was able to get it activated and used it 2 or 3 times. I continued to try to call them to find out what was going on; each time it took at least an hour to talk with someone and when I found out that person was offshore I asked to speak to someone inthe U>S., again the wait was at least 40 minutes. Spoke with someone named Lorraine who said she needed to put me on hold saying she would be right back. An hour and a half later the phone went dead.On July 13th. went to use my card at B.J.'s and it was declined; they had cancelled this card also.
I've been a customer of B'J.'s for almost 20 years and paid my bill in full each month. I put a stop on my July payment and will not pay them another penny until and unless they correct my problem and pay me compensation for all the time I've wasted.
Payments not posted to Account June 2022
My payments were never posted in June 2022. When I email them through portal and add attachments proving they cashed my check payment AND USPS tracking proof they picked up check, I come back later to portal and find my emails are deleted over 4 times now. When I call to resolve, I get automated system saying how sorry for their system crash and please hold for CSR, they then HANG UP ON YOU! For two weeks I’ve been trying now to resolve and talk to a love person, Charging me late fees for payments received. Yeah someone has their hands in a BIG cookie jar and fraudulently us card holders are the victims. This is classic violation of the Fair Debt act!
Desired outcome: My payments made posted immediately, all late fees charged credited back to my account and a letter to all three credit bureau’s of your major screw up holding all credit card holders harmless.
Comenity bank
Comenity Bank is the worst bank I've delt with I will be closing all my cards with them as soon as my payments are due! I have had no access to my credit cards or online account in over 3 weeks! My credit card was compromised and someone made a purchase of $800 Thanks to comenity! I also paid my childrens place credit card in full weeks ago and comenity keeps adding money to my balance! I spoke to an agent who told agreed with me that it is a mistake and that I have paid my card in full! I also have her on recording!
Desired outcome: Fix my account and remove that balance that it is not mine!
Comenity Reviews 0
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About Comenity
Established in 1986, Comenity has grown into a company with a robust portfolio of co-branded and private label credit card programs with top-tier consumer brands. This extensive suite of financial products allows consumers to have a more rewarding shopping experience with their favorite retailers, helping to solidify the customer-brand relationship.
Comenity offers both co-branded credit cards, which can be used anywhere the card's network (like Visa or Mastercard) is accepted, and private label credit cards, which are exclusive to the retailer. Each card typically offers unique rewards and benefits tailored to the specific retailer, such as special discounts, exclusive access to sales and events, and loyalty rewards.
The company leverages its deep understanding of customer behavior to design credit products that not only meet customers' financial needs but also strengthen the bond between consumers and brands. This customer-centric approach has been central to Comenity's business model and success in the credit industry.
Comenity is also known for its user-friendly online platforms, which allow cardholders to manage their accounts, view statements, make payments, and more. Their digital platforms are designed to provide a seamless experience for cardholders, demonstrating the company's commitment to leveraging technology to deliver superior customer service.
In addition, Comenity is committed to responsible lending practices and maintaining a high standard of integrity and transparency. The company provides clear information about its credit products, including interest rates, fees, and terms and conditions, so that consumers can make informed financial decisions.
Furthermore, Comenity places great emphasis on protecting customer information. They have strict privacy policies and utilize advanced security technologies to safeguard cardholder data, reflecting their commitment to ensuring a secure and reliable service.
In conclusion, Comenity is a reputable credit card company that specializes in offering a range of store-branded credit cards. Their comprehensive suite of credit products, customer-centric approach, user-friendly digital platforms, commitment to transparency and responsible lending, and robust security measures have contributed to their standing as a leader in the credit industry.
Yes, Comenity is a legitimate credit card company that issues store-branded credit cards for a multitude of retailers.
Comenity is a subsidiary of Alliance Data Systems Corporation, a leading provider of data-driven marketing and customer loyalty solutions.
Comenity provides both co-branded credit cards, which can be used anywhere the card's network is accepted, and private label credit cards, which can only be used at the specific retailer.
Yes, as with most credit cards, there are fees associated with Comenity credit cards. These may include annual fees, late payment fees, and cash advance fees, among others. The specifics vary depending on the card.
As of my knowledge cutoff in September 2021, Comenity does not have a general mobile app. However, some of the individual store credit cards issued by Comenity may have their own apps.
Comenity offers multiple ways to pay your credit card bill, including online payments, mail payments, and phone payments.
Yes, Comenity reports to the three major credit bureaus: Equifax, Experian, and TransUnion.
Comenity can be contacted through various methods, including phone and mail. The contact details can be found on the back of your credit card and on the Comenity website.
Customer service experiences can vary. However, Comenity is known to have a dedicated customer service team available to assist with any inquiries or concerns.
The required credit score can vary greatly depending on the specific credit card. Some cards may require a good to excellent credit score, while others might be more accessible to those with lower credit scores.
For co-branded credit cards, yes, they can be used anywhere the card's network (like Visa or Mastercard) is accepted. However, private label credit cards can only be used at the specific retailer.
Applications for Comenity credit cards can typically be made online through the retailer's website or through the Comenity website. In some cases, you can also apply in-store.
Yes, many of the credit cards issued by Comenity offer various rewards and benefits, such as cash back, points, or exclusive discounts at the affiliated retailer.
Comenity, like most credit card issuers, charges a fee for late payments. It's always recommended to pay your bill on time to avoid these fees and potential damage to your credit score.
Yes, you can close your Comenity credit card account by contacting customer service. However, you should consider the potential impact on your credit score before doing so.
Overview of Comenity complaint handling
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Comenity Contacts
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Comenity phone numbers+1 (800) 675-5685+1 (800) 675-5685Click up if you have successfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (800) 675-5685 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (800) 675-5685 phone numberComenity Bank+1 (855) 506-2496+1 (855) 506-2496Click up if you have successfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (855) 506-2496 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (855) 506-2496 phone numberComenity Capital Bank
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Comenity emailsservice@comenity.net100%Confidence score: 100%Support
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Comenity addressPO Box 182273, Columbus, Ohio, 43218, United States
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Comenity social media
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Checked and verified by Nick This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJul 15, 2024
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