Comenity Bank
Poor Customer Service
Comenity Bank handles the retail credit card for Pottery Barn and is immensely frustrating to deal with.
I’ve been a cardholder for over 10 years and today I completely lost it because I have a large “rewards” for over $2000.
I applied it to an order, however the items are not being shipped until a week after my statement closing date so they said just go ahead and pay it and then you will have a credit balance?! Um, why should I be giving my cash to you so you can collect interest on it and wait for a refund when it should be deducted immediately when I make the purchase.
Currently at 5 phone calls with all different customer service agents who can’t help me and just keep transferring me to “someone” who knows how to do this and “can” help me.
Sweet jesus, do yourself a favor and just use an airline miles or hotel points credit card and run like hell from any of these dept. store brands.
I have been satisfied up until now, but am considering closing this account after this debacle.
Poor customer service. Over an hour of my time wasted and NO RESOLUTION.
I'm a Licensed Financial Adviser and deal with this bank almost everyday.
I’m a Licensed Financial Adviser and deal with this bank almost everyday. I usually negotiate payment arrangements for my customers with lower interest rates and minimum payments.
If you want to know about it just email me at and I’ll send you a proposal. We call the bank together and apply the rates over the phone, you receive a letter in the mail in 7-10 business days with your new terms an conditions.
STOP CALLING ME, you jerks!!!
I DO NOT have an account that is any way connected to this bank! Yet, I receive multiple phone calls (sometimes several times a day) from varying area codes/phone numbers with a recorded message telling me there has been a change in “my account” – probably a late fee, I’m guessing – and that I should call them immediately.
I never get to talk with a human to ask them to stop calling me because I have NO account with their bank. Someone in authority really needs to do something about this horrible organization. I’m quite sure they are scamming people out of their money, and other illegal activities. And from the reviews I’m reading, they are doing JUST THAT!! STOP CALLING ME, you jerks!!!
In September I purchased $37.63 in merchandise from Christopher Banks.
In September I purchased $37.63 in merchandise from Christopher Banks. I paid that invoice in full by the due date of September 5,. The amount was not posted until September 7. As a result the amount was adjusted to $28.43. The logic of this escapes me. I denied the charges with a call and letter to Christopher Banks.
Unethical Practices
Comenity is the credit card company for Pottery Barn. They are deceptive and I believe criminal in their actions.. We ordered some furniture from Pottery Barn in November of 2018 and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements. In January they sent us a notice of late payment. So in late January 2019. I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called Pottery Barn and then they credited the purchase of $1500.00 along with ALL the interest and late fees. Then when I looked at the February statement I had an interest charge of $32.21 on a balance of $177.86 plus the $32.21. I was extremely busy so I sent them $300.00 knowing I would deal with this issue when I had time. Finally in May I spent some time to call them and explain the situation and that there was no way there should be a $32.21 charge in interest on a $177.86 balance. They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99% EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement. I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in January. My point is they admitted the charge and interest was not valid and that is why it was all refunded in January, interest, late fee and purchase price. They do that and then charge the interest the next month AFTER the money was refunded because I had a balance of $177.86 which triggered the revolving balance interest. Remember the first person told me 28.99% of 177.86 was the $32.21. Poor math for someone working for a bank. However, here’s the real kicker, the supervisor said “you already paid it so there is nothing we can do” I did explain that I had been busy and paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy 32 dollars. IT’S CRIMINAL. They should train their people better and they should take better care of their customers. So for $32.00 dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and Pottery Barn for their association with Commenity. Please also notice complaints flow into this site almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.
Stay AWAY from this bank for any credit cards!
Stay AWAY from this bank for any credit cards! I paid my balance in full. They sent back my check that they had admittedly damaged in their machine. I had to call multiple times as they then had the audacity to charge us a late fee.
They finally got the right department to remove charge and interest now on late fee. We said we wanted to close acct as well since we were so unhappy with the time and handling of this matter. They closed the acct but never removed the late fees and charged even more interest.
We had to call again only to be told now that the account is closed they cannot adjust any fees. We have to now write a letter to file a billing dispute. I have never seen such unprofessionalism in a company, nor sure lack of response for an error they created and made worse!!!
I am starting a class action complaint as well because I know there are others who had the same problem!
I have been with Comenity Bank for three years and have three cards with them. I have a Meijers Card, Victoria Secret and The Buckle card. Over the three years, I have had my credit limit raised on each account and have a high credit limit. I have always been on time with my payments.
Recently, Comenity Bank LOWERED my credit limit from $1500.00 to $300.00 after a payment of $1400.00 was made on my account. My Meijer and Buckle credit limits remain at $1450 and $1300.
This is completely unfair as I feel they just took my money and I do not get any of that as my available credit. Instead they lower me down to a limit a brand new customer would receive upon opening an account. I am starting a class action complaint as well because I know there are others who had the same problem!
Never Again
My 87 year old aunt buys her clothes from Blair. She is hard of hearing and partially blind. Her one and only credit card is for Blair through Comenity Bank. She is of the generation that would rather go hungry then be in debt. She recently received a letter from Comenity Bank that said they cancelled her account. Why? Did she ever miss a payment?
NO! Was she ever late with her payment? NO! Apparently, they sent her a letter because her account was “missing vital information”. When we called and said she had never gotten a letter, their response was, “She just has to reapply for the credit”. Really? She has been a customer in good standing for over a decade and they supposedly sent one letter, got no response, and then cancel her account.
No phone calls. No follow up letter. What vital information were they missing? They know her name, her SS#, where she lives, her bank account information. This upset her so much for no reason. This bank is the absolute worst! I can’t image any of the major banks that I deal with doing such a thing. SHAME ON YOU!
While huddled in the darkness, without electricity and hearing the wind whipping my townhouse,
Heartless Bastards! In case you were in a coma for the last 12 days, a little something called Hurricane Florence came to visit North and South Carolina. While huddled in the darkness, without electricity and hearing the wind whipping my townhouse,
my phone was screaming with Weather Alerts, and Tornado Warnings and non-stop phone calls from Comenity Bank wanting to know when my payment would be made!!!!
I answered the first call and was met by the most uncaring human (?) being EVER! Speaking to a woman in Colorado who had no clue what I was going through just wanted me to make the payment now over the phone!!!
After that I let the non-stop phone calls go unanswered because I could not waste the charge on my cell phone talking to a brick wall. I contacted HSN and told them about Comenity and their heartless treatment and said I would pay the account off and never shop with them
Stay AWAY from this bank for any credit cards!
Stay AWAY from this bank for any credit cards! I paid my balance in full. They sent back my check that they had admittedly damaged in their machine. I had to call multiple times as they then had the audacity to charge us a late fee.
They finally got the right department to remove charge and interest now on late fee. We said we wanted to close acct as well since we were so unhappy with the time and handling of this matter. They closed the acct but never removed the late fees and charged even more interest.
We had to call again only to be told now that the account is closed they cannot adjust any fees. We have to now write a letter to file a billing dispute. I have never seen such unprofessionalism in a company, nor sure lack of response for an error they created and made worse!!!
I have been with Comenity Bank for three years and have three cards with them.
I have been with Comenity Bank for three years and have three cards with them. I have a Meijers Card, Victoria Secret and The Buckle card. Over the three years, I have had my credit limit raised on each account and have a high credit limit.
I have always been on time with my payments. Recently, Comenity Bank LOWERED my credit limit from $1500.00 to $300.00 after a payment of $1400.00 was made on my account. My Meijer and Buckle credit limits remain at $1450 and $1300.
This is completely unfair as I feel they just took my money and I do not get any of that as my available credit. Instead they lower me down to a limit a brand new customer would receive upon opening an account. I am starting a class action complaint as well because I know there are others who had the same problem!
I can't image any of the major banks that I deal with doing such a thing. SHAME ON YOU!
My 87 year old aunt buys her clothes from Blair. She is hard of hearing and partially blind. Her one and only credit card is for Blair through Comenity Bank. She is of the generation that would rather go hungry then be in debt. She recently received a letter from Comenity Bank that said they cancelled her account. Why? Did she ever miss a payment?
NO! Was she ever late with her payment? NO! Apparently, they sent her a letter because her account was “missing vital information”. When we called and said she had never gotten a letter, their response was, “She just has to reapply for the credit”. Really?
She has been a customer in good standing for over a decade and they supposedly sent one letter, got no response, and then cancel her account. No phone calls. No follow up letter. What vital information were they missing?
They know her name, her SS#, where she lives, her bank account information. This upset her so much for no reason. This bank is the absolute worst! I can’t image any of the major banks that I deal with doing such a thing. SHAME ON YOU!
Heartless Bastards!
Heartless Bastards! In case you were in a coma for the last 12 days, a little something called Hurricane Florence came to visit North and South Carolina.
While huddled in the darkness, without electricity and hearing the wind whipping my townhouse, my phone was screaming with Weather Alerts, and Tornado Warnings and non-stop phone calls from Comenity Bank wanting to know when my payment would be made!!!!
I answered the first call and was met by the most uncaring human (?) being EVER! Speaking to a woman in Colorado who had no clue what I was going through just wanted me to make the payment now over the phone!!! After that I let the non-stop phone calls go unanswered because I could not waste the charge on my cell phone talking to a brick wall.
I contacted HSN and told them about Comenity and their heartless treatment and said I would pay the account off and never shop with them
Stupid bank.I advice you not to have business with them.
Stupid bank.I advice you not to have business with them. I opened Bath Bed & Beyond credit card in August, used it several times, even did not make a first payment, then I applied for Ikea Credit card. I did not have an idea that both of them were issued by the same Comenity bank.
While I was applying, my credit score was 700, and then after I applied the score went down to 660, and this stupid bank sent me a letter stating that they close both of my accounts because my score went to 660. I tried to explain them that that happened because I had applied for their cards.
The rude lade on the phone told me that they could even close my account after 6 months if my score went lower. That is ridiculous. Never happened to me. Ikea, BB&B need to consider the bank policy who issues their credit cards!!!!!!!!!!!!
Comenity Bank may change billing cycles and due dates without notice.
Comenity Bank may change billing cycles and due dates without notice. This results in late charges regardless of balance. They would not credit my account even though my payment was late due to a change in their billing cycle. High interest rate on card. Comenity is often referred to as ‘Chlamydia’ Bank. Just like the STD, it causes pain!!
Even after I was on time with payments.
Comenity Bank is the worst bank ever and their practices are unlawful. They called someone that I have no affiliations with and told them I listed them as a reference. Which could have had be bought up open fraud charges. Even after I was on time with payments.