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 scam?
Comenity Bank is a scam and a bad service provider as per the report filed on dirtyscam.com. They are not aggressive towards their customer satisfaction and complaint grievance.
Is Comenity Bank legit?
First Comenity Bank is not a legit business owner or provider. You must take necessary precautions/measures before buying or using their services.
How many reviews are submitted by Comenity Bank’s consumers?
There is/are 40 review(s) posted about Comenity Bank and it indicates that the severity of the scam is High.
Where is Comenity Bank located?
Comenity Bank is located at United States. You can contact Comenity Bank by dialing (800) 675-5685 or visit their website about.comenity.net before filing a lawsuit. We are no way affiliated with better business bureau or yelp reviews platform.
How much monetary loss is incurred by Comenity Bank’s customers?
According to the report(s), US $3365 was the total loss incurred by Comenity Bank’s customers.

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40 reviews on Comenity Bank

  1. Nichole Stewart

    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!

  2. Amber Holmes

    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!!!

  3. Kathleen Marshall

    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

  4. Maria Murray

    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!

  5. Nichole Simpson

    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!

  6. Kevin Watson

    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!!!

  7. Dave

    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.

  8. Ann Marshall

    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.

  9. Grammy Gomez

    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!!!

  10. Thaly Murray

    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.

  11. Mark K

    There should be an opportunity to give negative stars.

    There should be an opportunity to give negative stars. I have never been late with a payment or have I ever missed a payment, their “customer appreciation” is that at the end of August my interest rate is going to go up to 27.5%. I called to cancel/close my account because Kay Jewelers isn’t worth that rate.

    If enough customers were to close their credit cards accounts that a being “serviced” by Comenity, then just maybe the retailers that use them to handle their credit services will “fire” this greedy company.

  12. Steve Smith

    Unfortunately dealing with this rip off bank.

    Unfortunately dealing with this rip off bank. Paid off a credit card for my elderly mom. They told me the amount she owed over the phone . So I paid that amount in full .

    A few weeks later they sent me a balance of $2.13 or something like that . No new purchases. So I ignored it as I paid them in full based on what they told me . Now they are adding fees and late charges on to the $2.13. Get your figures right. It’s not that difficult .

  13. Dirk Moore

    Avoid this place like the plague!

    I would give 0 star if allowed, these guys are complete morons that have not commitment to the customer in the least. Made a payment by phone and asked for an email confirmation,

    he would not accept or provide a record of the transaction and stated that my own bank would provide the transaction confirmation. Asked to escalate to a supervisor, he placed me on hold, checked a couple times to see if I would wait it out and then disconnected me.
    Avoid this place like the plague!

  14. Ryan Taylor

    This Place Is Bad

    comenity bank is the lender for paypal credit. i contacted the fdic…hope they get to the bottom of this shady bank.

  15. Margaret Anderson

    not does anyone with whom I've spoken.

    Due to the lack of verifying, by requiring an email or actual US mail verification, that it was me who had applied for a credit card, or even requiring income info, etc. – PayPal, on behalf of Comenity Bank approved a fraudulent credit account in my name, based on info about me that had been hacked online.

    Rather than owning up to their lax, shoddy business practices, and closing the account and deleting the two small charges accrued, they are making me – the victim – jump through hoops to prove my innocence. All they had to do was contact me by phone,

    email or physical address – which PayPal already had on record – and ask for verification that it was me applying, and they didn’t even do that. I know of no other credit/bank account that does not require verification, not does anyone with whom I’ve spoken.

  16. Zenobia Thomas

    Your Account Protection department is a sad representation of customer service!

    Where I haven’t had a problem with any card I have associated with Comenity, I have received 2 calls at this time from someone stating I should return a call to 800-520-1511 immediately relating to my accounts. I placed the call only to be referred to a dating site! Each time (today being the latest) I called Comenity to report the call.

    The first call reacted, as I did, with confusion and disdain that the company was being misrepresented. However, the call today (answered by “Belinda” and her consultation with her supervisor “Morgan” I was advised to disregard the call! Really?

    Are you not concerned with the misrepresentation of your company? When I asked for the president’s name ( so I could write to him), Belinda told me to google it! Your Account Protection department is a sad representation of customer service!

  17. Mary Jackson

    Horrible.

    Horrible. They’re terribly rude on the phone, demanding your full SS number before even identifying who they are representing and what they want. I always pay my bills on time and use auto payments,

    which they said they couldn’t do so when I was accidentally two days late, they sent MULTIPLE texts, phone calls and emails EACH DAY. I’m getting away from these people ASAP.

  18. Dirk Garcia

    Made a payment by phone and asked for an email confirmation

    I would give 0 star if allowed, these guys are complete morons that have not commitment to the customer in the least. Made a payment by phone and asked for an email confirmation,

    he would not accept or provide a record of the transaction and stated that my own bank would provide the transaction confirmation. Asked to escalate to a supervisor, he placed me on hold, checked a couple times to see if I would wait it out and then disconnected me.
    Avoid this place like the plague!

  19. Jerry Nalley

    Closed account two months ago

    I paid off my card two months ago on December 6th. I then cancelled it. Fast forward to today Feb 10th. I get a call from a probable scam on my phone but the were with Comenity Bank (scam artist) I was curious on what they may want. Well apparently when I closed my account it was late. I wasn’t informed of this by customer service on the day that I paid it and canceled. I just wanted nothing to do with them being associated with Caesar’s Palace. She understood and apologized and said she hated to lose me. I now have a 102 dollar charge from a late fee that I was unaware of and non payment of bills. The problem was they didn’t have my correct address and had been sending it there. But they have the correct phone number. I asked for copies of all bills and my copy of my application. They supposedly can mail my copies of old mail but they can’t access my application after 1 month. It’s been 5 months today. They can’t even send original terms of contract. I was passed around with help being promised but in the end it wasn’t their fault. It was the reporting credit agency that they used for giving them the wrong address. Since I didn’t ask on Dec 6th when my bill was do it wasn’t her responsibility to divulge that info. So late fee coming wasn’t something that should be discussed because I didn’t ask. 🙄 I’m absolutely amazed that these people are in business. They have my correct address now and interest and everything will be on my bill because they can’t reverse a cancelled card. SMH! The worst credit card experience ever. Complete frauds and they do it legally with terrible attitudes. Zero stars should be an option. Complete joke and I’ll speak to my bank and possibly a lawyer but they won’t get my money.

  20. Khoa Tran

    Bank bank and credit policy

    They will continue to drain, and finance charges your account without notifying you. They said they’ve sent me emails to tell me about my charges. I’ve checked my email and even phone calls every day and have not seen anything regarding late/finance charges. I’ve made a payment scheduled for that month, and they said since its new, they put a hundred dollars finance charge on my card. I called them to ask them to take it off since I’ve already made the payment, and they withdrew my money again a few days later. They will not try to dispute anything against the finance charge, except defer the amount, but I’ll continue to get the finance charge for how many days/months my payment is deferred in addition to my remaining balance.

    They do not have a payment leniency policy if the customer pays a couple of days after unlike other big credit card companies. Which will allow late waived of late fees within 14-30 days after the payment is due. Because, why would they? They want your money! And its FREE money from yours to them, so why would they take it off those extra advantages? Make sure you be extra careful when applying with this bank company. Keep EXTRA care. I wouldn’t recommend open any credit lines with them—lousy company’s policy and customer service level. The executive administration should be change.

Reviews:40
Reported Loss :3365 $
Severity of Scam :High
Reported by : Anonymous
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