Oluwatoni Yug

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Ahmedabad, Gujarat

Mera Facebook ID disable ho Gaya recover karna hai please karva do na

Comenity - Mera Facebook ID disable ho Gaya recover karna hai please karva do na
Comenity - Mera Facebook ID disable ho Gaya recover karna hai please karva do na - Image 2
My Facebook account disable galti see disable ho Gaza HAI please recover My I'd ajaymedagulbar@***.com 972794****
View full review
2 comments
Oluwatoni Yug

Ajaymedagulbar

Oluwatoni Yug

My Facebook account receivable ajaymedagulbar@***.com

View more comments (1)
Leah G Yyp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

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)

View full review
Cons:
  • Unsecure

Preferred solution: Honestly I want them reset my balance to $0, close my 3 store cards, and leave me in good standings on woth them on my credit report.

User's recommendation: Don't ever open an account and if you have one close it

1 comment
Afrika Vpk

Wow! that's some e dark cloud you had over you, huh?

I feel so bad for your situation.

I hope things have improved since November. Happy New Years

Christine B Oqj

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Follow up to previous complaint

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Comenity - Follow up to previous complaint
Updated by user Aug 26, 2022

Bread Financial (Comenity) emailed on 8/22/22 apologizing for the inconvenience and frustration and said they were working on it. As of today, 8/26/22, the problem still exists, and you still cannot get an acceptable answer for when the issues will be resolved. Nothing...

Original review Aug 14, 2022
I filed a complaint here on 8/6/22 regarding their "system upgrade" and the inability to apply the rewards on my account to my balance. I also messaged the company through their contact us option.

I received an automated response from Comenity (Bread Financial) on 8/8/22 that said they were "looking into it and would get back to me". Still haven't heard anything else out of them - nothing through phone, email, or secure messaging. I understand "system upgrades" but that generally does not take several months, and it certainly does not by any means explain the horrible customer service.
Below is a transcript of the original complaint sent to Bread Financial:
This is getting ridiculous. I spend and pay off a large amount on my Comenity Card each month and cannot even get the rewards applied to my statement balance.

Each time I submit the request to apply it as an account credit, it shows a red "x" in the bottom left and is never applied. This so-called upgrade to the system has been going on for months and needs to be FIXED. Initially, you could only make a payment without seeing any account transactions, and now you can't use the promised rewards. I have NEVER before experienced such horrible service with a credit card company or bank.

Who oversees or regulates this so a complaint can be filed? Is it the Consumer Protections Agency or Consumer Financial Protection Bureau?

I feel I have been more than patient with Comenity / Bread Financial thus far and now my patience is wearing thin, and I want resolution. If I have to file complaints at the government level to bring attention to this and get resolution, I have no problem doing so.
View full review
Pros:
  • Cash back on purchases
Cons:
  • Cannot access my rewards due to system upgrades
  • System upgrades are taking several months
  • Cannot fully manage account online due to upgrades

Preferred solution: FIX the system and improve customer service!

User's recommendation: Avoid them until they resolve their issues and improve customer service.

Clinton E Uqn

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker San Antonio, Texas

Denial Letter for Credit - Could not verify identity

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Comenity - 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.
View full review
Resolved
Catherine W Asw

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Norristown, Pennsylvania

Resolved: I need to have my full payment reported to the credit bureaus

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Comenity - 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.
View full review
Cons:
  • Not reporting payments affect my credit score

Preferred solution: My paid balance from IKEA be reported properly to the credit bureaus

User's recommendation: Ensure that attention is paid to this important detail that affects my credit score.

Joel Chandler B

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Redwood City, California

AAA Preferred Rewards Visa - ASteer Clear!

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
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.
View full review
Pros:
  • High credit limit
Cons:
  • Constant glitches rude customer service homophobic attitude

User's recommendation: Don't do business with them!

Jo Carrion

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Brooklyn, New York

Customer service (for Romans) drove me crazy…

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
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.

View full review

User's recommendation: DO NOT GET A CREDIT CARD FROM ROMANS

Norma B Dcp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Why no app?

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
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.
View full review

Preferred solution: an app created

Marcus T Cqp

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Rockwood, Tennessee

Beals credit card is a joke

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
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

View full review
Loss:
$5000

Preferred solution: I want my credit score fixed and I want my increase they gave me on my card

Kelly B Dny

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Jacksonville, North Carolina

Outrageous number of calls

Comenity - Outrageous number of calls

I have been receiving a large amount of calls at all times of the day. When I pick up there is no answer on the other end.

Im not sure who is working in the call center, but whatever they are assigned to do is not being accomplished because theyre just blowing up my phone and not speaking at all. The number calling is 913-677-****. Its affecting me at work that I am Being called so much.

I would appreciate it if this could stop. I have consulted my lawyer and will be pursuing illegal harassment charges if this continues.

View full review

Preferred solution: I would like the calls to cease or I will further seek legal assistance.

2 comments
Guest

LOL...Why are they calling you like that? Are you paying your bills?

Probably hence the non-stop calls. Want the calls to stop, pay your bills. Let me guess, you've already been to 800-Notes to see which of your creditors is calling you and now you think threatening a lawsuit is going to help you. Listen, serial de ad be ats like you, who don't pay their bills don't have money for lawyers.

If you did, you would be paying your bills. I wouldn't worry though. Soon the calls will stop and you won't hear from them again.

This means they've charged you off and/or are about to sue you. You'll begin to hear from new numbers or HR as the garnishment kicks in.

Guest
reply icon Replying to comment of Guest-2250845

How rude. "Lol".

All kinds of financial issues can crop up for folks, and it doesn't make them "de ad be ats". What an ignorant, privileged person you must be!

Just so you are aware, there IS something called the Fair Debt Collection Practices Act, and it holds companies accountable for HOW they collect debts. Harassment is ILLEGAL, even if the person being harassed owes money.

View more comments (1)
Rosanne M Atd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

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.
View full review
Cons:
  • Horrible customer service

Preferred solution: Full refund

User's recommendation: DO NOT USE COMENITY BANK !!!!!

Julie S Bki

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

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
View full review

Preferred solution: Resolution to my payment

User's recommendation: Do NOT use Comenity Bank for ANYTHING

Anonymous
map-marker Easton, Pennsylvania

5th attempt to pay my bill.

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

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!

View full review

User's recommendation: Use another credit card! Maybe if companies with awful customer service are BOYCOTTED, then we'll all be better off. Time for the consumer to fight back. These companies do business in the USA, provide customer service here!

Steve Q Hty

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Billing

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
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
View full review
Cons:
  • You suck real bad

Preferred solution: Apology

User's recommendation: Stay away from

Gerald M Jic

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Allentown, Pennsylvania

They didn't understand.

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full

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.

View full review
Bridget U

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Ridgeland, Mississippi

Suspended account

Comenity - Suspended account
I made a payment for Children place on the August 20,2022. Why is it that they say they didn't receive my payment . I have a confirmation number of my payment. And why they wait this long to advise me. Why not email me the same day or during that week. Now my account is suspended . Bad business. Make it make sense. Thanks
View full review

Preferred solution: Chance to make my account Right. Not suspended

Why Trust Reviews on PissedConsumer?

  • Professional auto and live moderation
  • 100% user-generated content
  • Equal opportunity and protection
  • Zero tolerance for fake reviews
  • Verified content
  • PissedConsumer is on the Inc. 5000 list

For more information read Blog article