About Comenity Avis 315

This is the worst bank of all!!! Worst experience ever!! I had a Victoria secret credit card with them, i had a fraud transaction that was made on the card of $500 by some health insurance. The bank decides not to notify me or anything, the transaction went through now its my responsibility to pay this!! If i didnt log in just to check my statement, they wouldve never notified me but are so quick to charge you money hungry bank!! Then i call and tell them why they didnt notify me they were sorry, sorry doesn’t help in this case. Then they tell me it takes 30-90 days to do the investigation! Now i will get charged interest for a purchase that wasnt made by me, they tell me yeah because the transaction went through and its their fault for not notifying me right, and now they decide to charge me interest for a fraud when the purchase wasn’t made by me. Then finally after a week later they find out it was a fraud , then i had to fight back for my money to refund me the amount i paid for the interest so it doesn’t affect my credit score. Worst bank ever!!!!!! People pleaseeeeee stay away from these thieves!!! I will never open a card again that associates with this bank! I also have an ulta card with them, I will stop using it too until it closes by itself. Comenity bank you disgust me to the core!!!! You shouldve been out of business A LONGGGG timeeeee ago!!!!!

Yep. Effing criminals at Comenity - who give not one sh*t about their customers.

Can hardly WAIT till comenity has no more customers because they've managed to abuse them all. HA!

Have AAA travel card that got effing downgraded to this criminal outfit from Bank of America - I no longer use this card after all the trouble comenity's bank has caused me with their totally INEPT customer service.
I always pay my cards in full ea. month to avoid interest.
Somehow though, after switching from
BofA to comenity -they managed to sneak in a few unexplained 'fees' here & there that their inept and NON-ENGLISH speaking 'reps' could ever explain WHY - nor bother to refund.
Then there was the ongoing issue with 'your password is incorrect' BS & many times over UNABLE to log in. Total frustration with their online system and their inept ill-equipped offshore CSx people.
THEN I'm told that after (I AM FORCED) to once again change a perfectly good password - the rep on the phone tells me I have to WAIT 2 weeks to log in again - for security reasons BECAUSE I changed my password! UNBELIEVABLE!
Well, I LOST it with this ignorant inept rep. Told him how inept and unreasonable he was being & asked for a supervisor. None available! So, I yelled out my frustrations - did I cuss -? Dont remember but I certainly did not 'threaten'.
Next thing I know this effing excuse for a bank BLOCKS me from calling not only ALL their AAA contact numbers but ALSO ALL Csx numbers for my Sephora card!
That was over 6mos ago - I'm STILL blocked from calling This card & my Sephora card for 'assistance' lol.

Had to WAIT 10 days b/4 I can log in AAA @ bread financial. I saw they managed to sneak thru a couple more 'fees' - can't call to ask why, bc I'm blocked - NOT that anybody would know what these fees are for, anyway.
I'm currently down to 0 on the AAA card - no 'fees' assessed for months now. They can't bc the card has been @ zero for many months
But this card has a very high credit limit that looks very good on my FICO. So Ive simply locked it. I do not need this headache and have NOT used it & never will again.
It's locked! and the sweet part is that I am NOT paperless on this card, nor my Sephora card - so every month comenity has to send me a paper bills showing ZERO balance for boh cards. And my very high credit limit which is not being used, is still on record @ experian, et.al.
Eventually comenity will cancel for non-use.
Ask me if I care :)

I'm writing now about the even WORSE fiasco on my comenity Sephora card that recently transpired - comenity managed to F up THIS card acct as well.

Somehow my many, many, written 'secured messages' to Sephora's comenity customer 'service' telling them many times over WHY I am separating from Using this card ever again @ Sephora - & my msgs got escalated to a higher dept!

How unfair & unreasonable their late fee was, DUE to their system's failure to charge my EARLY payment to a different bank where I had just input payment data into their system.

And their system FAILED to charge my bank. Yet comenity refused many times to waive a late fee - for a failed payment that was their fault.

It turned out to be a blessing that comenity had BLOCKED me fm calling Sephora - because I was forced to write secure messages to them - many times over just reiterating how their system failed - yet they charged ME a late fee.

I included the fact that their consumer ratings are the lowest of the low - even worse than Capital One. What a sham their 'we care about our customers' BS actually is.
I returned - on the last possible day MY ENTIRE purchase that I had I charged to this card @ Sephora 3.75 wks earlier - for a full refund. It was $$$ ALOT! ;))

I bragged about this FULL refund in a new message to them ;))
Let them know my return refund was to counter-balance their unfair $30 late fee - from THEIR error, that they insisted on NOT waiving.

So, I guess that someone in the lower teir I was writing to got sick of my ragging on comenity, repeatedly asking for my UNFAIR late fee to be refunded...

Because I got a nice reply, an apology AND a full refund of my late fee - from a supervisor in a higher tier -
AFTER my many written complaints got escalated to their department!

They assured me that comenity does value me as a customer & doesn't want to lose me.
It was almost as if this supervisor was from another dimension from a totally different bank - and somehow some wires got crossed and a new portal opened to a different, reasonable, caring comenity banking system ? ;))

Anyhow by some fluke I struck a cord with a rare angelic entity @ comenity - who may or may not still be there - IF their peers have discovered they actually refunded my $30 late fee -
God forbid, LOL

This card also has a high credit limit.
I've got it @ ZERO and will be locking it as well. But keeping it on the books ;)
Eventually comenity will cancel for
non use.
Ask me if I care ;))

Such a terrible credit card. No customer service no response-don’t get one get rid of the one you have. I was a customer for more than 20 years and for $2 they ruined my credit

This bank is just plain sorry. I have a GameStop credit card through them and I wish I didn't. I never missed a payment. I made even extra payments during the Christmas season and somehow their app messed up one of my payments and so I got penalized for it and it's their mess up and so they wrote me saying as soon as I make free consecutive payments in a row and a billing cycle that I would get my card re-established and I've already done that and still nothing. The joke's on them though because if they don't add my money on there soon I'm just going to stop paying the crap because GameStop's practically out of business. Anyways, there's like two in my whole town. There used to be eight so I don't even use it that much. But I did for Christmas complete. Sorry Bank company. If you end up getting a card through them at GameStop declining it's not worth it. They're just trash.

Apparently Comenity has recently started delaying the processing of "large" credit card payments for 72 hours. "Large" payments are held for 7 to 10 business days. I am unclear if the 7 to 10 business day delay includes the 72-hour initial delay or is a separate delay. The Comenity agents I spoke to claimed that this is for security purposes. As someone who has career experience in both physical and wireline security, I know that is absolute nonsense. Delaying a payment, from an established customer, for a week, while interest is accruing is not for security, it's for profit. At no time during this "security waiting period" have they contacted me (the card holder) or the bank the payment is being drawn from. What "security" practices are being employed? Answer: none. The rep and supervisor I spoke to insisted that no policies have changed since I got my card but couldn't explain why all payments made prior to this particular "large" payment have posted and cleared within 24 hours, even though I've made larger payments than the current one in question. Even worse, they claimed that nobody in the company can expedite the payment process - they are victims of their computer system just like Comenity's customers. So, basically, people are expected to believe that Comenity had the code for their processing system designed and written to intentionally delay payments and to prevent anyone from being able to make corrections or adjustments. That's not any kind of security or good financial stewardship. That's nonsense and I'd wager that it isn't even true. I got the card through AAA and love AAA's services - but this is one AAA offering I am seriously considering canceling and finding elsewhere.

I was outraged to find out Comenity Bank informed Equifax that I was late on my payment. I have never been late on a payment in my life. I was informed that my credit limit was lowered to a much lower amount and there was nothing I could do with Comenity to correct my credit score. I have them to be unreasonable and vicious.

Never again, I changed my due date online 10 days prior the due date and I got a email saying
“Late fees will not be charged to your account as a result of changing the Payment Due Date” and I still got charged a $35 late fee. When I called them to wave it, they simply said no.

They are the WORST! Victoria Secret uses them. I don't use the card often, but my daughter used it recently to make a $25 purchase. I forgot to change my auto payment bank account info after closing my bank account due to fraud. The payment didn't go through so they charged me a $25 late fee, basically doubling the purchase. I requested a waiver due to being a very long term and good customer. They said all they "could afford" was a waiver of $15. I told the rep that Comenity needed to change their wording because "could afford" is an absolute joke for a bank to say. I rejected their $15 because I was told I could not close the card if I took the credit. Needless to say I paid the full $52 (plus $2 in interest) and I have cancelled the card.

Wish I could give zero stars. This is the worst bank ever, hands down. They own the Carter's card that I opened a few years ago (biggest mistake ever). I used it one time about 2 years ago and haven't used it since. About 4 months ago, someone got ahold of my info somehow and used my card to order some kids' clothes and set them for pickup in New York. I'm in Georgia. I started getting billed and I called them to report it as fraud. They said they would take care of it and stop billing me. HA. They have continued to bill me and charge interest, and have now reported it as delinquent to the credit bureaus, making my score take a huge dip right before I'm planning to buy a house. These people are the absolute worst and do not give a sh*t about you. I've called them about five times total and get people who I can barely understand who pass me off then hang up on me. DO NOT open an account with them. You will regret it. I wish I could take it back...literally used the card one time and now I'm severely paying for it. Nobody could get my info if the card didn't exist.

I tried to add my card to google wallet. They had me call a number instead of text message like everyone else in the year 2025. i called and the agent said she sent me a code. i got the code and gave it to her, she said her computer was having technical difficulties can she send it to the other number on the account, i said sure. she sent it and i received it. again she said her computer was having technical difficulties she couldn't enter the code, do we have a third number. i'm not a drug dealer so i said no we don't have extra phones just laying around. so she said that was a security risk and my account is locked and i have to wait for a letter by mail. yes, mail. no, not email. the pony express. complete and utter incompetence.

Is there no legal recourse against an institution such as Comenity Bank... I can add my frustration to all of the other reviews here when dealing with this bank either via their feckless customer service or their complete inability to efficiently handle the Bank's deficient login process. I've stopped counting how many times I've had to change my password - is it possible that a saved password won't work more than once? Yes it absolutely is! Because I've literally had to reset my password every time I try to login to my account. Hard to believe with today's technology and Ai advancements that a bank can be so woefully inept across the board. Other than the usual avenues like The Better Business Bureau, perhaps a class-action complaint or even an overwhelming response to a reputable news agency that could run an investigative story on financial institutions like this one would be welcome. I think this bank holds the record for the highest amount of negative reviews. I've never seen any review collective like it. You'd think the embarrassment alone would be enough to motivate them to do better. The fact that it hasn't, tells you all you need to know about this bank's reputation as it relates to competency, service and care for it's unfortunate customers.

Beware of their billing practices!
I called and was upset about their billing practices, they are taking advantage of people, in their own sneaky way! And I called them out on it...(they did remove the fees, only $20.20 after threats to pay off and CLOSE ACCT) Was told afterwards that..."WE NORMALLY WARN PEOPLE WITH THIS TYPE OF BEHAVIOR"... I was flabbergasted at this comment! I Never spoke badly to him, directly, nor otherwise, I was NOT using vulgar nor threatening words! I was, on the other hand upset, and had every right to be! So, don't THREATEN ME!
I plan on paying off this credit card, and never returning to Kays Jewelry, how appauling! Customer service has eroded! I don't ask for anything, and always pay my bills on time. When I see bad practices on the part of any business, I will call them out on it, I don't like to be taken advantage of, and I try to eliminate this type of behavior so that others are not taken advantage of, then they tell me this, sickens me!
Never again!

I’ve had an incredibly frustrating experience with Comenity Bank (DellPay). I disputed a charge for a laptop that was never delivered, and instead of resolving the issue, their customer support has been unhelpful and unresponsive. They provided me with no clear answers and directed me to different departments that don’t take responsibility. On top of that, their collection team continues to harass me even though the charge is under dispute. This lack of accountability and poor customer service is unacceptable. I would not recommend them to anyone!

Do not bank with them. I had a dental emergency and was offered this program as a payment solution. Given the painful circumstances, I agreed to what was being offered at that time.

Eventually, tried calling customer service to access my accounts because I never received follow up information. I was informed that my name wasn’t spelled correctly and home address was incorrect so they couldn’t authenticate me. For months, I didn’t have any account information and they couldn’t update my information over the phone without proper verification. After a YEAR, I was finally able to update my information and was told that the balance had doubled since I missed the 12-month grace period of the finance offer.

I’ve written emails, letters, and tried to speak to corporate and to no avail. They eventually merged with another bank and I’m still paying on a $2,000 bill that essentially tripled due to the interest rate that was applied on top of the balance being doubled.

This happened in 2022

Bread Financial is perhaps the worst credit card company. Aside from the predatory APR everything else seemed fine until I paid my CC statement online 8 days early on December 20th. I learned their processing system is slow and unreliable. My payment was returned because of a 0, a zero at the beginning of my checking account #. I simply entered my routing and checking acct # the way they prompted me to on-screen, which is the same way it shows on my checkbook. They were basically asking for the zero. In reality the automated system ended up rejecting the payment because of it. I never before encountered this problem with other payment accounts. I wasn’t even notified of the returned payment, but instead after 8 days passed I received a notation at the top of the app screen stating something was wrong with my checking account. Still no indication from them that my payment was rejected. I looked at my bank account and seen there wasn’t a debit made so I assumed the payment was rejected. This was all discovered on the due date. I was able to correct the info on file by removing the 0, and I made the payment again, on time, not late. On December 30th I received a returned payment charge, a penalty of $30. Oh well. Come January 3rd I notice my account is frozen. I must’ve called customer service 5 times about this. One lady assured me the account would be unfrozen on Jan 4th. Obviously that never came to be. I call again and they’re telling me I have to make 3 monthly payments, has to be once per month, and my account will be unfrozen sometime in the end of March. They told me another option would be if I paid my entire balance off they would unfreeze my account. A statement for January is already available, and my new monthly minimum payment amount has more than doubled! This feels like entrapment, a kind of scam. The sad reality is this was my only remaining line of credit and I needed it for survival until I gain new employment. Customer service speaks broken English and they don’t seem to care about the specifics of the situation. They respond like robots from India. I asked for a supervisor and it was all just more of the same. I hear American Express is decent and their customer service is good too, but this company here is renting the AMEX name and not at all providing quality customer care. The severity of my financial situation has me so depressed and worried. I did nothing wrong to deserve having my account frozen for 3 months. I’m just trying to get by, and this company took away my lifeline because of a typographical discrepancy from their automated system. Something that I corrected and was still able to pay the bill on time. Yet this company adds injury to insult. I say it’s a scam because the online image example they provide clearly instructed me to enter the entire account number from my checkbook, including the empty zero at the beginning. It’s blatantly obvious what has happened here and yet customer “care” are cold and dismissive.

Leaving this online banking today after 2 years. Horrible customer service (conflicting information, phone agents giving obscure directions, very slow transfers, etc.) Website is impossible to navigate, and agents are untrained to help over the phone. Never again.
UPDATE 3 weeks later: After pestering me with impossible directions on how to close my account, I finally got the balance back to 0 and will proceed to just forget about this "bank."
Today I got an email from them with directions how to download my IRS documents with the instruction to click on the "view' button on my account. No such button exists. A call to their "help center" admitted that they haven't updated those instructions.
SUGGESTION: Don't even think about dealing with these inept people.

Beware, this is bank and credit institution that you should avoid. The management and customer service don't provide the same information to you, therefore, a conflict will arise down the road. Here is what happened to me.
I am a new customer. I bank on line and arrange my billing via email and make payments from 2 accounts on line. Sometime around November 15, 2024 I set up a payment for $600. I didn't realize the account number had a transposition. After a few days I called the bank since no payment was charged against my account. It was discovered that the account number was incorrect so we corrected this and continued with the payment which went through. Then, I made an another payment of $1,426 to pay off the balance and used my account making numerous transactions through December 19, 2024. Then on the 23rd, of December at a grocery I was embarrassed when my card was denied. When I called they said my account was locked because of a returned check. This is false and there is indisputable proof with the account that this is false. Then I was told I had to make 3 consecutive payments on time for the next 90 days to have my account unlocked. Imagine, a little boy being punished. My credit rating is over 800 and have excellent standing with all institutions. There answer to me was, SORRY, and acknowledged that this wasn't right and I was provided the wrong information when I called customer service to correct the error and was actually told everything is ok not to worry about this. Remember, I used my card over 10 times since this happened but, again, on the 23rd, it was locked. THIS IS THE MOST UNPROFESSIONAL BANK SERVICE I HAVE EVER DEALT WITH. STAY AWAY

Charging unreasonable late fees. I closed the account and was told they would continue to charge late fees

I haven't known a worse bank with horrible, unhelpful customer service and poor everything. The notification system is terrible, and the online UI is awful. My experience with them is indelibly bad!

The worst!! I have 2 promotional balances with different terms. I have to call every month to get a certain amount allocated to my one that is a one year promotion. It takes forever to get through the prompts to even get to customer service, then when I get to customer service, I have to go to a supervisor, who can then allocate my balance. Every month it’s for a different amount of my payment. They are offshore customer service, and very difficult to understand the accent. None of them can explain to me why it is different every month for the balance that is transferred to the 1 year promotion. I am almost fearful they will mess up, and my promotional balance will not be taken care of appropriately. As soon as this is paid off, I am closing the account and will never use anybody affiliated with this bank again.