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.

Is Comenity Bank a legit?

Comenity Bank is not running a legit business. They are not aggressive towards customer satisfaction and complaint grievance redressal, Hence 62 consumer[s] submitted negative ratings, and only a few left positive feedback.

Where is Comenity Bank located?

Comenity Bank is headquarted at United State. You can contact Comenity Bank by dialing (800) 675-5685 or visit their website about.comenity.net.

How much monetary loss is incurred by Comenity Bank’s customers?

According to Comenity Bank’s customers, a monetary loss of US $3365 has been reported. The severity of entire incident reports is high.

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62 Reviews on Comenity Bank

  1. Comenity Bank is TRASH!!!

    I paid off my account on which included the final balance and on the same day the bank charged me $112.74 for interest fees on a zero balance. They continued billing for interest and late fees for accounts that I paid off. And when I called to rectify the issues, the service reps were very rude and wasn’t able to provide a good explanation to why my account was still being charge interest on my account that I paid off. They did not try to resolve the problem. Instead, I was left with paying interest and a late fee on an account that was paid off in full.

  2. Scam

    1/15/2023
    I didn’t even opened a Comenity/Sephora Credit Card, but they sent me a letter that I spent 990$ in Sephora even though I never opened an account. I called for fraud, but they told me that I did open an account with my driver’s license. I requested proof that I opened that account, what I bought and my signature, but the bank investigation didn’t give me proof that I bought the stuff nor that I opened an account. They only told me that I did spent 990$ and opened an Comenity/Sephora Credit Card. This is getting ridiculous and I suspect that Sephora and Comenity bank are trying scam me for my money.

  3. Community Sucks

    In our December bill we saw a group of charges all in the 101.00 dollars and share that made sense. Multiple charges and we call commodity bank and filed a fraud case. They said the would review it and get back to us. Then just before they transferred the BJ account to Capital One they put the disputed amount back on my account. We sent numerous emails and phone calls as to be told a report and letter would be sent. But it was never received . When we call they could not supply any answers. Next thing we know the account was moved to Capital one and now my dispute is all founded up. I got screwed royally in my opinion.

  4. Scam bank that hits you with illegitimate charges

    Hello, On 5/28/2022 I opened a Comenity/Sephora Credit Card I made a charge in October 2022 and paid it off in full in December and closed my account for good measure. This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 1/19/2023 – $105.00 delinquent payment 2/16/2023 – $148.00 delinquent payment Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. My credit score has been affected by 100 points – I can no longer apply for apartments with peace of mind. It’s absolutely ridiculous.

  5. Scammers beware and very poor customer service!

    I have been scammed by Comenity bank. I made my payments in full always and they claim I did not. I provided proof of payment along with letter yet they refuse to apply payment to my account resulting in late fee charges and completely ruining my credit which I had perfect credit before this ridiculous matter!!! Awful company which refused to resolve this. I am out hundreds of dollars which only keeps building with late fees and very damaged credit!!! Do not do business with them!!!

  6. CANCEL YOUR CARD NOW!!!!!!!!!!!!!!!!!!!!!!

    THE WORST CUSTOMER SERVICE EVER!!!!!!!!!!!!!!!!!!!!!!! I have fraud on my account but I can’t reach the Fraud dept for 2 days, but I’m getting 12 calls within 3 hours. I called Customer card and was told very nicely “to keep holding one day they will pick up”

  7. mailed a payment on the 28th of december, and the check didnt clear until January 17th, and we recieved a late charge. when you call to handle this. you hit #2 for english, and you get someone in bangledesh that cant speak english..

  8. Stay away from Commenty Bank as a credit Card issuer

    This company is the worst to deal with. I pay my bill with them via my bank and they are so backwards, they dont accept electronic payments. Fine, my bank mails them a check. I learned the hard way, they will sit on the payment until right after the due date, then cash the check and charge you a late fee. This last time, I sent the payment 15 days before it was even due, sure enough, they cash it the day after it was due and this time, charge me two late fees, one for $35 and another for $29. Surely this must be illegal. Run, dont walk, from Commenty Bank.

  9. Scammers

    Payment received on time. Charging fees that are not legit. Buyer beware

  10. Scammers

    They are charging me fees after the payment was received on time. Poor and rude cutomer service.

  11. Worst credit card bank I have ever dealt with

    I called the bank to report a lost credit card 8 or 9 days ago. At that time they told me it would take 3 to 5 days to receive it. Today being day 8 or 9 I still have not received the card so I called to find out what was going on. I was informed by the bank representative i,they were going thru a system updates and I might not get the card for another week or two. Unreal!!!
    I voiced my frustration with this and hung up. I then went to my mailbox as the mail had just arrived and the card was in there. Really? This me think does anyone in this bank know what each other is doing? Why didn’t this emplyee who told me it may take another week or so to get my card not know it had already been sent to me?Again unbelievable!! So I called to activated my card and was told my card was now activated. I went to use it and it was declined. I then receive a text from Comenity Bank telling me my card has been locked. By the way the card is a My BJ perks card. So again I called the bank and was told sorry because of this system update we cannot check or activate cards at this time and check back next week.
    This is unreal.. I had , NO NOW ITS HAD, a vacation plan with my grandchildren for next week. This is my only credit card and I need it to charge the room on, for meals and things my grandchildren wanted to do.
    I no longer may have that option and won’t know till next week when the bank told me to call back. I can’t risk not knowing if I will have a card so I have to cancel this vacation, resulting in disappointment of my 2 young grandchildren and my heart broken as I watched them break down on tears.
    It’s totally screwed up my vacation and will be hurting my grandchildren. This is totally unacceptable I have never dealt with it dysfunctional group like this.
    In terms of their blaming this on a “scheduled system update?? Im not sure i by that.I worked in a major
    medicaI center where I was Directior of Nursing Infomatics. We had many system updates, but we never turned patients away saying, “sorry system update call next week and will see if we can accommodate you.
    I dont know if the bank got hacked,
    or are having financial issues or having done a web search of Commenitt and found numerous sites reporting problems people were having with their accounts, complaints of poor customer service etc. Master Card is wanting to dump the Bank from their list of service providers and Commenity is trying to negotiate a deal? Who knows!
    But my filing a complaint on this site is not my end to holding the Bank Accountable as I have other complaints I haven’t yet filed but I will be sure to continue addressing ths issue with others i.e. BJs, Mastercard organization, Better Business Bureaus, and Federal Regulatory groups

  12. Buncha BS

    RUN LIKE YOUR ON FIRE!!! Never again! after i pay ofF this account i will never deal with Comenity EVER again. Take a loyal customer and drop their credit limit for no reason ???? sfter years and years… jerks!

  13. Fraudulent use of an account

    I just received a letter from Comenity Capital Bank about a credit card that I apparently had tried to open with IKEA Projekt credit card. I have never been to an IKEA, the closest one to where I live is over 200 miles from here. The envelope looked like cheap thin paper and the Comenity symbol didn’t look exactly right either.
    I just wanted to check and make sure that I haven’t been a victim of identity theft or fraud by someone using Comenity Capital Bank address and logo.

  14. Scammmmm Biglots card charged fees after closed

    I close the account after paying the final balance of $63. There was a bank error and they charge me a $29 return fund fee After I re-paid the $63. And then told them I didn’t realize that had happened and I had already close the account They proceeded to charge me a late fee which I did not pay. Then they would continuously send me bills for $73 or some thing a late fee and a return fee or two late fees. The beginning of this year I received a bill from them for $375 telling me that I owed him that much money now when I looked at the statement they stacked late fees every single month of $40. On a closed account capital letter close CLOSED account. Numerous phone calls in the customer service got me nowhere. They are scammers and I will never pay this money

  15. Don’t do business with them

    Terrible company do not do business with anyone involved with this company. Disreputable companies partner with them and when you are scammed and never receive the product they side with the scammers and you still have to pay them for what you never received. At an absurd interest rate as well. Call support and they give you the run around and side with the scam company despite proof goods were not received. As long as the scam company says so they side with those bringing them money. I would not be surprised wife they got kickbacks from the scammers.

Reviews: 62
Reported Loss : 3365 $
Severity : High
Reported by : Anonymous
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