Comenity Overview
Comenity has a 1.4-star rating, derived from feedback provided by 581 customers. In the Banks category, it secures the 14th position out of 469 companies.
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Comenity Reviews
Oluwatoni
Mera Facebook ID disable ho Gaya recover karna hai please karva do na
My Facebook account disable galti see disable ho Gaza HAI please recover My I'd ajaymedagulbar@***.com 972794****
Rosanne
Credit card issue
So I have been trying for 3 months to get a refund on an overpayment, I keep getting either a run around or an agent that is clearly clueless as to what they are doing. Besides the fact that they keep telling me "a check is in the mail" and if that were true why do I still have a credit balance on my statement that arrived today.. ??? Funny how your bills make their way to my mailbox but not my REFUND. I have NEVER experienced such poor customer service.
Jo
Customer service (for Romans) drove me crazy…
Original review Nov 29, 2022
Every time I call about my Catherines bill (which is on my Romans credit card), they did not understand my problem but they made believe they did and they told me they would fix it and they never did. I had so much stress with them I called about 10 times and each time the problem got worse and worse. When I filled a complaint with the Better Business Bureau they adjusted my account. Then I got a letter saying they were removing the charge until the dispute was straightened out. THERE WAS NO DISPUTEIT WAS A REFUND THAT WAS DUE ME. I called to find out what the letter was for, the agent doesnt even understand it. How can they get away with having this kind of customer service? They dont even understand the problem that is happening why isnt anybody complaining to state banking department? They should not be running a bank if they cannot handle normal every day questions.
Anonim
5th attempt to pay my bill.
This is the second month in a row that I have tried to pay my bill and the automated system is worthless. Tried to contact customer service and waited over 30 minutes to be transferred to Jamaica with a horrible connection. I was told to call back...sure, I'll wait another 30 or more minutes to speak with someone and probably won't get a resolution to my problem again. Since Comenity took over the VISA account, there has been nothing but problems. Use their ez pay and you'll be directed to enter your social security number each time. REALLY!!! I should continually enter my ss# on the internet because it's easier for you not to provide customer service! If I do pay by phone, there is a $9 charge!! I wonder what would happen if my card was lost or stolen? If this was a single incident I'd understand, to a degree. It's not the first time I called and not the first time I waited more then 30 minutes for customer service (more then 45 minutes last month). Last month I actually called Capital One who originally serviced the account, talked to customer service within minutes and they accepted my payment and apologized for the problems I was having with Comenity!
Leah
PHISING WARNING NOT DOSCLOSED
I have 3 store accounts with comenity, 2 I've had over 5 years. I've never missed a payment till October 2022... on ANY type of credit card or loan. In October my bf and I were evectied from our residance without warning having to leave everything behind and no way to retrieve it. Including multiple types of identification, social security cards, legal paperwork, etc. We had already been struggling due to me having severe mental illness and not being able to work and him often taking off, or leaving early because I was so bad. Keep in mind he has a cash job, is victim of identity theft, and had no idea about credit until we met. Basically everything is past due, we're living in our car that's 3 months behind, and about to be repossessed. I recieve calls from all 3 store cards, and after exsplaing and extremely long pause before not responding to what I said but saying what account will I be using to pay, and what date and how much will I be paying. Ok... I can't make a promise date or amount right now and there is no bank account anymore because ours required a minimum balance which we couldn't keep. So I'm speaking with someone who probably muted me the whole time, while on a non recorded line, which I just found out this morning after all 3 store cards called and i ended up calling the actual comenity bank customer servicei number and speaking with somone that this bank will not ask for my social or account nunber! And actually comenity has a phising warning on there main bank website because of this policy. So now that I've given up my social 3 times on a non recorded line and 2 out of 3 called from privite numbers... I'm officially pissed off and done with this bank! Because for someone who gets regular alerts through 2 of the 3 bueros on score increase or decrease, and hasn't been checking the notifications due to the fact we've been living off credits, so I knew my score would drop... now after finding out about the phising warning, and actually pulling my buero reports up... guess who else is now a victim of identity theft... ME! I have multiple new hard inquiries from the past week. I was contacted about a week and a half ago by 2 of the 3 store cards and guess what... because of comenitys policies and doesnt disclose the phising warning to you... its now going to be a million times harder to get out of this hole we unfortunately fell into due to the fact that one I have severe mental health and that is something America must consider a rich person disease, since if you don't have insurance there is no access to psychotrists and that means no access to prescriptions that are needed by some people to actually function. Two I'm a felon, and in the state of Illinois if your a felon your pretty much black listed for any type of atate help... especially if its for drugs... and you know untreated mental health often leads to substance abuse so can you take a guess as to what type of felony i have... yup So thanks Comenity bank for making me a statistic (by that I mean Google percentage of homeless population in America with mental illness. And then Google percentage of incarcerated individuals with mental illness. Then Google percentage of homeless Americans that have mental illness amd are felons. The percentage shows alot about how the government values money over the well being of its citizens)
Julie
Dissatisfaction
Comenity took over AAA Visa from B of A, and it's been nothing but problems ever since. Just try to talk to a customer representative that is located in the USA and speaks English. Sent full payment in 10 days before due and they still have not acknowledged receipt. They insist check was "lost in the mail". Incredible. They have no store or outlet to which I can go to make payment. Only debit card or direct withdrawal from my bank account. They don't like paper checks. As soon as I get this problem out of the way, I will be CANCELLING MY CARD.Do
Marcus
Beals credit card is a joke
Original review Nov 12, 2022
Comenity bank is a joke. Burke's credit card sent the credit bureaus a report that my card was canceled. It was not. And there was no reason for them to send anything to the credit bureaus I've never been behind or late on my payments. When they sent their lies, It cause me problems with my credit score that caused me more problems trying to get credit for a emergency. Did you hear that? Emergency! needless to say I've lost all the way around. Do not carry a beals credit card card held by comenity bank in your pocket it will ruin your credit score and then steal from you. Run as far from them as possible. They are members of the mickey mouse clubhouse. "Hey comenity bank. You are fired get out of that business. It's not for you and beals outlet credit card, Burke's outlet Home decor and who ever else uses comenity bank they are ripping you off you need a new card holder dum dum
Steve
Billing
One of the worst companies I ever dealt with is keep billing me when I have no balance due my card was compromised as soon as I got it no organization skills whatsoever stay away
Norma
Why no app?
Updated by user Dec 20, 2022
I did get a response and was told there was no app and no plans to have one. I paid the balance in full and once I decide on a replacement card, I will definitely be canceling this one.
Too bad.
They lost a good customer. Perhaps if more people complain, they will...
Original review Nov 11, 2022
I was a holder of a AAA credit card (now called a AAA Signature Visa) through the Bank of America for years. Recently AAA has chosen to drop BOA and transfer this card to Comenity (Bread?) Bank. Here's the problem: You do not offer an app! I've called twice to confirm and nope..no app. What bank does not offer an app??? I do not always have access to a computer but I always have access to my cell phone. I do not want to have to wait for my statement, nor have to find a computer to quickly see what my balance is or when my payment is due. I would like to know if one is coming. if not, you will probably lose a good customer with excellent credit because I will have to cancel this card. Please advise if an app is coming and when. Or if one is NOT going to be available. Thank you.
Micael
Have not received any information on my new AAA acct.
Updated by user Oct 26, 2022
Multiple contacts with their customer service with no results.
Original review Oct 26, 2022
I have yet to receive any information on my AAA acct that Comenity Bank acquired from Bank of Am, other than an email that a payment is due on Nov. 16 2022. I do not want to get charged a late fee because of Comenitys INCOMPETENCE!!! A timely response would be appreciated. Then Ill give you any required info to reconcile to this problem. Thank you
Gerald
They didn't understand.
I was never notified by any means that my AAA account was being taken over by Conenity. After looking up phone numbers online I found three but two out of three were no good. I finally got a number that worked when they emailed my statement for payment due. Lady was nice and understanding and said she was reissuing my card. Still not here. Before I spoke to her I was in contact by email . I explained everything to whoever I was talking to but apparently they could not comprehend what I was saying. I told them I never receiver a notification or card . So I get an email back telling me I should call the number on back of the card. How could I do that when I had no card to begin with? I asked them what didn't they understand about NOT having a card? Never heard back after that. As far as I'm concerned their customer service sucks. Thank you and have a good day.
Clinton
Denial Letter for Credit - Could not verify identity
Hello Sir/Madam, I was turned down for a Caesars Credit Card. The letter says could not verify my identity. This doesn't make sense. I have currently two open accounts with zero balances for Jared and Floor and Decor.
Matthew
Incorrect Charges
Ive tried calling twice & after being on hold for 34 & 45 minutes Ive tried emailing. I paid my balance in full on 9/26/22 but was charged interest on 10/2. The interest was incorrectly charged as the amount paid in full was $3,917.82. Yet interest was assessed on $3,101.77. The interest was $69.44. This change is incorrect as the account was paid in full prior to the newest statement generated on 10/2. Please remove the charge as it violates the contract I have regarding interest and carry over balance-there was NO carry over balance on 10/2 in which $60.44 couldve been charged.
William
Placed call for dispute of charge. Beeb on hold 2 1/2 hours and counting!!
Can not contact a human to speak with! No matter what number I have called. They do not reply to secure messages I have sent to them threw there website either. I was only calling to file a dispute but Now, if they ever answer the phone, I will be canceling the card! Multiple calls over 1 hour long on hold ONLY TO BE DISCONNECTED! Current call is 1:54:39 and HOLDING!!
Joel
AAA Preferred Rewards Visa - ASteer Clear!
Updated by user Oct 17, 2022
Never heard a word from them, however they remain just as bad. They just switched over from AAA Preferred Rewards to AAA Travel Rewards.
I happened to check in with them to find out if new cards would be issued, etc. and found out, not only had they already switched...
Original review Sep 17, 2022
Soon to change to Travel Rewards. Opened my credit card account with them several months ago with a high limit and have had nothing but problems ever since. Initially, both my and my husband's cards were getting declined. They tried telling me it was the fault of the merchant's computers. However, I know the owner of the store quite well and was able to verify with him there was no problem at all on his end. Then, about a month in, their computers *glitch* and ALL autopays are declined for over a month...more like 2. As soon as that was supposedly resolved, their computers *glitched* again, causing their Rewards program to get all screwed up. They "hoped" to have that resolved in a month or so. The final straw came this morning. My husband ran out to the corner store, as he does every morning and attempted to make a purchase using his card, which he had used successfully there for the past 4 mornings. It was declined for "possible fraudulent activity". He was mortified, used another card and it went right through. I then called Comenity, or tried to. The number on the back of the card, which is not meant to be read by any human, as it is hidden and printed so small, it took a jeweller's loupe to make it out. After 20 minutes getting upset with the nice rep who answered, I was notified that she was with Visa Int'l, not Comenity and I would have to call them. (Shouldn't their number be on the card?) She gave me 2 numbers for them, neither of which worked. Finally I went online and tracked down a phone number. Got a rep, who had a bad attitude from the get-go. Told her I was very upset, not with her, but with Comenity. Went through what happened and she denied that it happened. Said it was denied because the expiration date didn't match. That makes no sense whatsover. The same card had been used at the same store successfully for several days and the owner showed my husband the declined message on his screen. By the way, I am a amn, with a VERY deep manly voice. The minute I mentioned my husband, she started addressing me as "M'am", with attitude and great disdain. I blew and demanded a supervisor. AT first, she refused and threatened to just disconnect me. I finally prevailed when I told her she had slipped early on and I had her name. Got a supe and went through everything all over again (the 3rd time and now at well over an hour and counting). The supe admitted it was turned down by Comenity, in error, and put me on hold to check with the fraud dept and make sure there were no problems on their end. She came back and told me they had experienced a computer *glitch* a couple of months ago, but had fixed it. I quickly let her know it wasn't fixed. She never did offer any reason as to why the card was declined, just reassured me the account was excellent and there would be no problems going forward. As you can see, they have a lot of computer *glitches*. In other words, cheap computers, cheap software and an IT Dept. that barely knows how to boot up a computer. I will only be keeping the card, as the high limit and low usuage looks good on my credit report. But, I will only make one tiny puirchase every few months just to keep it active on my credit file. If you don't want CONSTANT problems or if you are Gay and don't want to deal with homophobic agents, look elsewhere. Comenity has been total cr*p.
Catherine
Resolved: I need to have my full payment reported to the credit bureaus
Updated by user Oct 10, 2022
Amount paid was corrected and removed from my credit report.
Original review Sep 10, 2022
I actually don't have a complaint but a concern as to why after paying my balance in full, that 3 months later it hasn't been reported to the credit bureaus and creditors that I paid at the same time have reported it.