Comenity
Comenity Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Comenity has 1.4 star rating based on 378 customer reviews. Consumers are mostly dissatisfied.
32% of users would likely recommend Comenity to a friend or colleague.
- Rating Distribution
Pros: No pros, No pros that i have seen, Easy approval.
Cons: Treatment of long term customers in good standing, Bad customer service, Bait and switch.
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Comenity has 1.4 star rating based on 378 customer reviews. Consumers are mostly dissatisfied.
32% of users would likely recommend Comenity to a friend or colleague.
- Rating Distribution
Pros: No pros, No pros that i have seen, Easy approval.
Cons: Treatment of long term customers in good standing, Bad customer service, Bait and switch.Recent recommendations regarding this business are as follows: "DO NOT USE COMENITY BANK !", "DO NOT GET A CREDIT CARD FROM ROMANS", "Hope you get better service than I did!", "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!", "Don't ever open an account and if you have one close it".
Most users ask Comenity for the refund as a solution to their issues.
Consumers are not pleased with Customer service and Reliability. The price level of this organization is high according to consumer reviews.
Media from reviews
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 | Ahmedabad, GujaratMera Facebook ID disable ho Gaya recover karna hai please karva do na
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 ReviewerPHISING 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)
- 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
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 ReviewerFollow up to previous complaint
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...
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.
- Cash back on purchases
- 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.
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 | San Antonio, TexasDenial Letter for Credit - Could not verify identity
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 | Norristown, PennsylvaniaResolved: I need to have my full payment reported to the credit bureaus
Amount paid was corrected and removed from my credit report.
- 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.
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 | Redwood City, CaliforniaAAA Preferred Rewards Visa - ASteer Clear!
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...
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.
- High credit limit
- Constant glitches rude customer service homophobic attitude
User's recommendation: Don't do business with them!
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 | Brooklyn, New YorkCustomer service (for Romans) drove me crazy…
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.
User's recommendation: DO NOT GET A CREDIT CARD FROM ROMANS
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 ReviewerWhy no app?
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...
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.
Preferred solution: an app created
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 | Rockwood, TennesseeBeals credit card is a joke
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
Preferred solution: I want my credit score fixed and I want my increase they gave me on my card
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 | Jacksonville, North CarolinaOutrageous 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.
Preferred solution: I would like the calls to cease or I will further seek legal assistance.
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 ReviewerCredit card issue
- Horrible customer service
Preferred solution: Full refund
User's recommendation: DO NOT USE COMENITY BANK !!!!!
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 ReviewerDissatisfaction
Preferred solution: Resolution to my payment
User's recommendation: Do NOT use Comenity Bank for ANYTHING
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!
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!
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 ReviewerBilling
- You suck real bad
Preferred solution: Apology
User's recommendation: Stay away from
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 | Allentown, PennsylvaniaThey 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.
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 | Ridgeland, MississippiSuspended account
Preferred solution: Chance to make my account Right. Not suspended
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