comenity.com Anmeldelser 

I am writing to express significant concern regarding recent charges applied to my account with Kay Jewelers and Comenity Bank.

Specifically, I was recently subjected to unexpected interest charges. Upon switching to paperless billing, I was not notified that interest would subsequently be applied to the balance throughout the year. As a result, a full year's worth of interest was added to my statement.

I am very dissatisfied with this process and the lack of clear communication regarding the financial implications of opting for paperless billing. I request an immediate review of these charges and clarification on how this interest was calculated and applied without prior notification.

Terrible customer service. Spent hours on the phone during the shutdown to ask for deferral. They set me up on a payment plan but still gave me late fees and reported me as past due. Every time I called they were testy even though they had messed up. Do NOT recommend.

I called to apply for a zero percent balance transfer.And they took my information and I was approved for a credit card, but not a balance transfer. The agents and customer service didn't seem very knowledgeable, so I closed my account, and now I wonder if they were even legit.

The Comenity AAA visa cash back is basically a con job. There is no way to redeem it. Trust me, I've tried. When I reached $500 cash back, I decided to see what I could do with it. The answer is : nothing. Their redemption page is set up in such an illogical way that you think you're making a mistake when you fail. But, the truth is, it's set up that way on purpose. I've decided that rather than reward them for their subterfuge, I'll simply cut up the card and move on.

Horrible customer service. I made an honest mistake on my second payment with comenity. I went to make the payment on the due date but it wouldn't let me because they said the cutoff was 5:00 EST. I'm CST so that means an hour earlier for me. I had no clue because like most people, I didn't see that in the fine print. I called and asked them help push my payment through today since it's still the due date so I could avoid a late fee. They refused and said it would post tomorrow and I would be hit with a $30 late fee. Per their policy they would credit me $15 once and nothing more and never again. I know it's a small amount but good customer service would've made it happen. I told them to note that I would never ask again. Nope! I have had this happen before with other companies and they have always said no problem and credit it to me. I'm human and make mistakes but the fact that today is my due date and I made the payment and they wouldn't budge is uncalled for. I work in a business where we have to occasionally provide exceptions so I know how it works.

Closed my account, and thought I paid them off. Got an 3.00 minimum interest charge on a 0.00 balance. When I called them they said even though I paid it off by the due date, the amount didn't include the interest due which is why you still have a balance and owe the 3.00. I asked the why did it show account balance as an amount if it didn't include everything.. that's after I was finally able to speak to a real person.. and they basically said you have to pay the fee and didn't care at all that I feel I shouldnt have to pay that 3.00 fee, since I paid the total amount by the due date. So where was the interest amount coming from. Either way, don't do business with this company, their customer service is nonexistent, their website hard to navigate, their Ai bots useless... save the headache and hassle and just avoid them like the plague they are...

Disgraceful Bank. I requested a credit card. I was turned down. The report from Comenity stated my credit score was too low. The report showed my score of 811.
Obviously, I was turned down because of my age. Shame that they are allowed to abuse the elderly.

I was sold the 12 month interest free card
deal when I bought a ring for my wife at Helzberg on 9/15/2024 for 1956.43. As soon as I got the card, I set up autopay to cover the cost in 12 payments. The system set up the autopay date for the 28th of each month. Every payment arrived on time. I just got a fraudulent $560 interest charge from Helzberg's servicer, Comenity, added to my account because they say I wasn't paid in full by 9/15/2025. This would have been technically true, however, I actually paid it off in 11 payments because I increased my monthly payment amount in June. Nevertheless, they refuse to remove the $560 illegal charge. As of 9/15/2025 I had paid $1989.50. If you include the service fee of $39.12, you could argue that I am $6 short - so by the letter of the law maybe they could
charge me interest on the $6 - but instead they are charging interest on the entire purchase. Also the service charge did not post to my account until 10/2/2024 and by 10/2/2025 I had paid another $193, so I'm inside the window no matter what. This would be predatory and unethical behavior even if I hadn't paid it off in 11 months - their system set the autopay date outside of the time frame that would have fit 12 equal payments. This is evidenced by the
fact that they still charged me the balloon payment even though I actually had paid it in full. Further to that point - when they sell people on zero interest if paid off in 12 months, they do not say "if you do not pay it off in 12 months you will owe the full 25% interest on the entire purchase. Not just your remaining balance." This is unethical false advertising.

Absolutely HORRIBLE experience....I have a credit rating of 790... I purchased a Cricut on my card. and paid it in two payment. Comenity reported by account as late when it was not. I am in the middle of a refinance of my house and have never been late with anything. Comenity customer service did not understand the problem and made me repeat and reiterate the same issue.

This is the worst credit card company I have dealt with in recent years. They will try to charge you for every little thing interest plus fees plus interest on fees even when you try to pay in full. Scammy company. Any credit card I have with them, I always end up closing the account.

I will never open a card associated with Comenity Bank ever!!! I recently opened a card at IKEA and my statement stated on the front that mailed payments must be received by 5pm ET. Why? So they can screw you. I made my payment by phone after 5 because it did not state on the front that it had to be by that time. Apparently, I was late but didn’t know because that ridiculous rule is on the back in small writing. I’m beyond angry and will make sure everyone I know avoids cards with Comenity Bank.

The worst customer service including supevisors, After a ck paying my bill in full was lost in the mail, I made the payment with my debit card and told them that I stopped payment on the ck. Less than a week later, they deposited the ck that I stopped payment on. They then charged me for a returned ck in addition to interest and a fee for not going paperless. After spending an hour on the phone and speaking to 4 people (2 supervisors), I was told that they would credit $2.00 interest but I had to pay the $34.98 in other fees and would have to enter a dispute which take 30-90 days to be reviewed. Comenity bank is nothig but a money making scam. my review is 5 negative stars

They failed to give me a conformation number for my on time online payment. This has never happened before in 10 years and it is an indicator of bad banking so beware and check all dealings with them carefully. I may be a way to get a fee for late payments. Again be warned!

I knew this was the right place when it asked "what went wrong this time". Terrible bank, terrible service, and exorbitant interest rates. Looks like an organization that preys on people who don't have good credit and have little knowledge . I have tried to pay them off, and they keep billing me with $2.99 paper billing fee, and 36% interest. I do no even like to shop at businesses that use their card. Zero stars for me

BEWARE!!!!! Regrettably signed up for an ULTA Beauty rewards credit card and immediately began having issues dealing with comenity bank. Attempted to pay off the balance in full the same day I opened the account, so I could avoid paying interest. Could not register my account online, called customer service and was told I would have to wait 10 days to verify my email, but in the meantime I could do the easypay option to pay off the balance. So that’s exactly what I did, paid off the balance and then attempted to register my account again after 10 days. I entered my checking account information and set up auto pay for future payments, and lo and behold a week later I had an email saying my account was past due. Immediately called customer service again and was told I was charged a late fee of $30 because of an undisclosed fee (on a $0 balance). Was also told I have to wait 10 days (again) to verify my email so I can access my account online, AND auto pay was mysteriously canceled without my consent or knowledge. These people are SCAMMERS!!! I will be closing the account tomorrow morning.

This bank is a scam, horrible customer service, I did the payment on time online, they never tried to collect it from my bank, customer service staff very unprofessional, and I tried to close the account, and I need to pay the debt in order to close the account.
I will pay what I owe to them, but never ever use this card again, VERY DISAPOINTED.

I had my Victoria Secret card for almost 20 years. I didn’t use my card for about a year due to a female related illness- no point in buying underwear just for it to be ruined. I’m in remission and went to buy all new underwear. When I tried to pay, I found my card had been cancelled for inactivity?!?! I had even called to request, and had received, a new card a few weeks prior. No warning, or any notification the account was at risk of being closed. I tried to call customer service. They require you to enter your card number to proceed. I couldn’t get beyond the prompts for assistance because when I entered my account, I would get an automated message my account was closed and they’d hang up. Very frustrating and disappointing.

If there is 0 star, then that's their rating. I used their credit card to purchase online. When I sent my payment by mail a week before the due date, I was told that it was received 2 days late. I was charged a late charge of about $30. Then the next month, I was charged more fees $40 and another late charge. I paid more in late charges and other fees than the purchase itself. Never using them again.

Comenity Bank sent me a letter saying I tried to set up a Victorias Secret Mastercard with them. I did NOT, and no other family member did either. I found online that this is a COMMON SCAM Comenity Bank dies, they have done it to many others, and I will be pursuing a class action suit which I believe is ongoing. Comenity Bank says they pulled my credit report on May 1 2025, which I did NOT authorize and which MAY affect my credit ratings. Which is a harm. Comenity is obviously purchasing DARK WEB DATA to harass innocent people. They must be STOPPED and PENALIZED for this ILLEGAL behavior.

I signed up for a Michaels credit card, managed by Comenity Bank, and had a really disappointing experience. After being approved, I never received the card or account information. Even though I had no way to access my account, late fees and interest charges started showing up right away.

I made a minimum payment just to avoid further penalties, but by the time the card finally arrived, three months of interest had already been charged. When I called to explain the situation, Comenity Bank refused to reverse any of the interest charges — even though the delays were clearly not my fault. To their credit, they did reverse the late fee but had no ability to reverse the interest.

IMO, a good bank would have offered a simple courtesy adjustment. Instead, Comenity made me pay for an account I wasn’t even able to use yet.

Very disappointing. I would not recommend working with Comenity Bank.