My first mistake was agreeing to an in store credit card to save on a purchase. Ive done this before with GAP and other big retailers. My usual go to move is to pay off the balance immediately and canceled the card after payment. Ive been told its bad for your credit score to do this all the time, opening and closing credit accounts, which is why this time after shopping at Eddie Bauer, I did not cancel the in store credit card after I paid the balance and put the card in a drawer with the intention of never using it. Fast forward 4 months and my phone blows up with collections calls for $100?! No sir. I looked up my account through Comenity Bank online and there was a $1000 balance with five unauthorized transactions. I live in Oregon and all these transactions took place in Ohio... I got someone at Comenity on the phone relatively quick, that number was (888) 724.6667 at the time this review was posted. Deloris in account services assured me they would: -Initiate a fraud investigation -Cancel the card -Issue a new card -Adjust my account balance AND corresponding interest and late fee charges within 7-10 biz days. I am please so far with how Deloris from Account services, handled things over the phone, time will tell if they follow through. It sounds like they are legit and they will adjust my account, but I am not at all happy with the obvious security problems I experienced with this bank less than 6 months of using their product. As soon as I see a $0 balance and they scrub my account clean of this bullcrap, I will cancel this card and most likely never associate with Comenity bank in the future. read more

I have had an express comenity credit card since 2021 and I decided to apply for a Saks Mastercard on 4-22-2026. I was approved with a credit limit of $16,000 and I called to update the mailing address on my account. That is when I started having issues and was treated poorly with their account protection team. I had already emailed my drivers license and utility bill that verified my identity. The agents were unprofessional, rude, disrespectful, yelled at me, and hung up in my face. I called on 4-29-2026 to see if they received a bank statement with my updated address on it and they said that they closed my account. So I emailed the president and executive team to inform them of what had transpired. I received a call on 4-29-2026 from the fraud operations director Mr. Austin he said that he had my accounts re opened and they where never supposed to have been closed. He told me that several agents handled my accounts wrong and he apologized for how I was treated by the agents. I called to verify if both of my accounts where back open and saxs Mastercard customer service said there was a restriction on my account saying that I can't be serviced over the phone with a agent due to interactions with previous agents. So I emailed Mr. Austin and left him a voicemail on 4-30-2026 & 5-1-2026. He ignored my emails and never responded to me. So I googled the president Mr. Andretta information and found his phone numbers. I didn't know that the number I called was his cell phone number and he answered the phone and I asked if he was still the president. When he said yes I told him that I needed help with my Saks Mastercard account. He assured me that he would have someone reach out to me today to help me. I received a call not even a hour later from bread financials attorney named Mr. Miller he told me that he was calling to help me. I thought that it was wierd that their attorney called me and not a supervisor in customer service. He said that he would be contacting Saks Mastercard and tell them that the restriction need to be removed. I waited a few hours and called the customer service number from my work phone number and my accounts were closed AGAIN. I called the attorney back and he said the president was mad because I called his cellphone. So he had both of my accounts closed. This entire company is horrible and need to be closed down asap! I told the attorney I know that he lied about trying to help me and that I'm going to sue them for discriminatory acts per the fcra! I literally was reaching out to the president for HELP and he closed my accounts due to me calling his cellphone number today! All of their emails and phone numbers are in public records. He was supposed to help me with my accounts not play games and close them! read more

Comenity bank is the worst bank I've ever experienced. They will pretend to take your payment and then never update you that they don't accept that Bank (which everyone else accepts this Bank) and then when you go to make your payment 30 days later they will notify you that you now have a 30-day late and they have reported it to your credit. They have the worst customer service experience and take zero responsibility for anything they've done wrong. Anytime I would try to make a payment on my credit card they would pretend that everything was fine just to not process the amount later so that they can steal $41 from you for a "payment return fee." this company is an absolute scam and I wish I had never open an account with them. Do yourself a favor and stay far far away or close your account now before they ruin your credit. read more

I have tried to contact them on 3 different occasions. Twice by phone and once mailed corporate office. No help what's so ever. Customer service is a joke. Told they were going to fix it and did not. paid my account in full on January 13, 2026. Payment due on the 28th. They are saying it wasn't posted till the 30th. SMH. Seriously. Charged me a late fee. called again and said they would fix. Just received another notice saying I missed a payment. Haven't charged anything. Called again and was told late fees are legitimate. My goodness. Are you kidding me? read more

I want to share my concerns regarding the quality of Comenity bank service. The World Market Credit Card issued by Comenity, Bread Financial, is a flimsy plastic card without a built-in chip which prevented refund in the past, and the bank imposes a very early cut-off time of 2:00 PM PST on due dates. This often leads to an accumulation of late fees and interest if a customer is unaware of the policy and thought the balance had been paid off on the due date. Additionally, I have found their customer service to be rigid and unprofessional. (Nicole, Comenity Bank) I strongly recommend reconsidering any credit card associated with this bank, as their service quality does not reflect well on any store brand. I just closed the account with Comenity Bank and will stop shopping at anywhere that partners with Comenity Bank, Bread Financials. read more

After returning an item to Lands End. I was billed the return amount. Paying the amount to Lands End Comenity Bank as soon as I received the bill I was charged a late fee as they said they did not receive it till 2 days later. I called, spoke to a representative from over seas to please take off that charge. She agreed after going around on this. I closed the account after 2 weeks. I received the bill with added charges. I call only to find out since I closed the account they would not take off the charges. I went ahead and payed this thing off even though I felt this was a scam. Guess what! I have a letter stating they want me to pay them more money. What a nightmare. Do I have to get an attorney? This is crazy. read more

I shouldn't be surprised since they're a completely online bank. Be prepared for them to just cancel your account out of the blue. They are charlatans. They act like they want to help you get setup, and then they'll cancel your account with no explanation. This was for a HYSA. As you can see from the other bad reviews, don't even think about getting a credit card account with them. CAVEAT EMPTOR... read more

Frauds. They claim they are a credit card company but they shut down/decline your purchases regularly because their fraud detection system is too sensitive. LOWES, Kappy's, Door Dash, Amazon, etc...all triggers to challenge your purchase and decline the purchase. I have called 20 times in 2026 begging to get my card unlocked. They declined the cafeteria at my place of employment. If you want to be in line and have the person at the register notify the line that your card was declined have at it, that is what you get with these clowns. read more

I just had a terrible experience with a Comenity Bank Land's End Visa credit card account. I closed the account because of this and wouldn't recommend anyone to do business with them. Because I didn't receive my billing statemtent, I was one day late with my payment when I got an email from them telling me I had a payment due. I made the payment immediately, and they still charged me $28 late fee and interest. The absolutely refused to remove the late charge when I realized they had charged me. Avoid any credit card with Comenity Bank....very confusing working with them. read more

I have been with Comenity for many years without a problem. My credit card is a Caesar's rewards card. I recently mailed my bill on February 2. The due date was the 19th. My next statement showed a late fee for a missed payment. The bill I mailed on the 2nd was not posted until the 21st. Coincidentally I mailed another bill the same day and it was posted four days later. I have always payed my bill on time and in full for the last 10+ years. I called and requested the late charge be reversed. Customer service said they can only refund $15.00. I questioned why it took 17 days for my bill to be posted and perhaps my bill sat on someone's desk and got posted late so I would have to pay a fee. The response was a "canned" answer and their only solution was to switch to auto pay. I believe they are trying to get people to switch to a payment method that is more convenient for them and making money in the meantime by charging unfair late fees. The customer service staff is difficult to understand at times due to a language barrier and this just adds to the frustration. The staff is just doing a job but the company practices seem a bit suspect. They have no concerns about affecting your credit rating negatively with no good reason and they do not seem to care about loyal and long term customers. I wrote a letter to their corporate office so we will see if there is any resolution. I don't want to impact my credit score negatively but I will not use this card unless necessary and will probably cancel it and replace with one that provides good customer service and does not feel like I'm being scammed. read more

I had a small (under $300) dispute on my card. The customer service for this bank is atrocious. Hard to navigate, people are difficult to speak with. Never had a credit card with a bank with this level of incompetence. Stay away! read more

Condescending Crooks! Made up a fraudulent late charge to ensure there was a balance at the end of the promotional period to ensure there was a balance that triggered over $1000 in interest due. Then with an unknown balance I did not receive a notice until an email showed up saying that they had reported me to collections that will negatively affect my almost 800 credit score. Unprofessional! Condescending! Rude! And almost proud of it!!!! read more

Received Michael's credit card 3 months ago. Activated it 3 times. Went to make a purchase in January and credit card denied due to it needing to be activated. Activated it in December, so once it was activated I went to make a purchase for my St Patrick's Day party supplies, again it was denied, manager checked and was told it needed to be activated. I went home to activate again and this time the website told me my account was closed for inactivity. Must be a fly by night company. There is no value in having this card if I can't purchase anything and I have to repeatedly activate the card. read more

I wish I could give them -1,000 stars. Horrible service--'terrible' is the only word for it. Run away and never get involved with them. They charge nonsense interest and try to trick you with hidden terms. read more

They reject my request while I have a near 800 credit score. What a Bunch of Hypocrites.

1 star If I could give zero stars, I would. I just closed my Saks card after nearly a decade of loyal spending because of the inexcusable, predatory experience with Comenity Bank--Saks' credit card issuer. For two weeks, I tried to set up my online account but kept getting system error messages caused by Comenity's own broken tech. Despite acknowledging the issue was on their end, they told me I'd still be charged $2.99 per month for paper statements unless I could log in and switch it off--which I literally couldn't. Their solution? Cancel the card. Let that sink in: long-time customer since 2014, high spender, can't use the website because of their glitch--and their only fix is to close my account to avoid fees. On top of that, Comenity charges up to 33% APR, which is pure usury. I will not support banks that exploit customers, or luxury retailers like Saks Fifth Avenue that align themselves with them. Saks should know better. Greed isn't luxury. This is one of the worst banking experiences I've ever had--and I've seen a lot. read more

I paid off my Big Lots credit card several months ago. I paid the amount that the automated system I owed. Got rid of the card because the store went out of business. I am still getting bills for fees that are now well over $100. I called "customer service" and was escalated 4 times to someone who said that she was the final escalation and refused to help. I understand that if my final payment was late, there may have been a late fee added, but that was not reflected in the automated system. I am willing to pay that original late fee as I cannot confirm or deny it accuracy. They will not accept that and are continuing to add fees on top of fees. read more

***This complaint was submitted to the BBB*** I only gave them a 1 because there was no negative numbers! On 11/30/2024 I made a purchase at the Jared Jewelry store locate in Albuquerque NM. Jared had 12 month free interest promotion through Comenity Bank. I set up the minimum payment of $62 plus an additional $347 to my monthly payment. This additional amount was calculated to pay off the balance well before the expiration date on December 01,2025. Without my authorization or notice Comenity unexplainably reduced my payment in August 2025 back down to the minimum due of $62 resulting in an interest accrued balance increase of $899. I have since paid off that balance however, Comenity has not addressed the complaint regarding why they reduced my payment amount without my authorization. This appears to be intentional to trigger the accrued interest. read more

UPDATE: Well, somehow Comenity has gotten even worse. Unrelated to my previous issue with them, it turns out they let card holders add other people to accounts with no verification by the newly added user. No social security, no signature, no verbal or written authorization LITERALLY NOTHING, and anyone can add you to an account and Comenity will refuse to remove you. "Only the account holder" can accomplish that. This should be illegal. ABSOLUTELY DO NOT USE COMENITY FOR ANYTHING. read more

Customer Service.. needs training. I was happy with them until today. I have been with them for sometime and never late and pay more than minimum however just received notice that they are raising the interest to 39.9%. When I called i was told "um the bank reviews every year and has that option " ??? What kind of stupid answer is that???interest has come down and they jack it up? Done will get paid off and cut up .im done read more

Customer service is terrible. They don't help. I missed one payment owing 52 dollars and they suspended my account. When I asked them why I didn't get my statement they said it was switched to paperless. I never use paperless. I had an issue a while ago about the paperless stuff and not getting statements and apparently they never corrected it. So I will not be using their card any more. The guy told me just to pay my bills on time. When I have never missed one before. They customer service is absolutely rude and terrible. read more

With Sak's card they accept a return but don't credit my account until the day after the payment is due! This is called "kiting" my money! Each and every return (if any) is done this way and I cut up the credit card into tiny pieces and mailed it back to them with a letter! I'm sure they don't care; I am the card holder and I care, and now I will never, ever shop there...EVER! I have excellent credit, pay in full each month....as others say, zero stars if possible! Plus they now charge $2.99 to print out my statement...! The statement on line is a "joke" they don't mention the item...they are bonkers and I've been a good customer (since 2003!) bought my wedding gown there...Vera Wang...never to return...the good news is I'm still married! read more

I just got a letter from Comenity bank to get credit for financing hearing aids... weird! The interesting part is APR of 32.99%, penalty APR of 39.99%, and paper statement fee of 2.99 per month. Google search indicates that the bank is FDIC insured, which is disappointing - FDIC should not support loan sharking! read more

Terrible. I would give them a zero if I could. Had an Academy Sports and Outdoors credit card that I have found out they issue. Never sent me a bill. Tried to contact Academy to find out my balance with no avail. Sent in a payment but did not include their late fees. What started as a $50 purchase has grown to over $250 because of their late fees and other shady practices. Their reps are argumentative and tried to blame me for their ineptness. I have filed a complaint with the BBB against both them and Academy and will be contacting the Utah AG and Texas AG. read more

The could improve our customer service. It is terrible. I tried for two days to get an answer to a question and I was hung up on. I was not called back. I called and called and called and it was the same thing. Let me switch you to somebody else and they switch and hang up I'd call back. They'd be so much noise on the in the background I couldn't talk. It was just a terrible experience. I would not recommend committee Bank to anyone read more

Never were so many one star reviews so deserved! There is no CustomerService. And if you are lucky enough to get somebody in customer service, they barely speak English because the bank has decided to export their call center customer service to a foreign country they sent you an email that says your minimum payment is I suppose hoping that that's what you'll pay because then they charge you interest. I pay my bills in full it would be just as easy to send me an email with my current balance that's due, but no, then they couldn't charge me interest. What a scam. Well, they lose Because now we will never use this credit card again. This is the poorest excuse for a bank that I have ever seen in my very long life. read more

Trash. Triple charge of $400.00+. Provided proof of 1 legitimate charge. Bank refuses to correct. I recommend filing a complaint with the CFPB and State Attorney General. read more

Apr 24, 2025 I would give a zero rating if possible. I am a good customer of J JIll, but today I cut my card in half. Why? Because I was charged a $30 late fee for paying my bill after 5pm ON THE DUE DATE!! I thought it was a computer glitch, so I called Comentiy--the issuing bank. Just getting them on the phone was its own nightmare. Non-stop push this button or that one, and then a sales pitch for a medical alert necklace! Took me 25 minutes to get a human being on the line, and then, all she would do is "forgive" $15. That further infuriated me. I pay all of my bills on time and have an excellent credit rating. That bogus 5pm deadline feels like a ruse to cheat people. I called the local store where I shop and told the manager that, due to their CC issuer, she will not be seeing me again. read more

Would do zero stars if could. Services Arhaus and Comenity is dishonest and misleading. Won't account for a credit from the store and charged 37% interest from promo period. Charged $752 for a $91 payoff difference. read more

I will NEVER apply for ANY card with Comenity. I wish I could give NO STARS because they don't even deserve one! I paid off my Ulta MC in full in July 2025 and the account has been closed since 8/5/25.. In September, I get a statement saying I am past due 63.97!!!!! I called and s/w a rep named Lisa who said that's my daily interest rate I accrued plus late fees!!! I asked for it to be waived and they would not budge but the rep ASSURED me I wouldn't get any more fees as long as I paid it before10/11/25 and she would send a letter out stating account is closed and no further charges...WELL I have been receiving non stop emails and texts saying I need to call Comenity - I called and s/w with some guy in India named "Allen' who had the unmitigated gall to say that 63.97 is not the correct amount and that he was going to cancel my already set payment and reset my payment for the additional 2.97 int charge which would now make my payment 65.97!!! I was outraged by this and told him absolutely not! So I complained to the BBB and I already have a case on this. BBB did respond saying that Comenity would reach out to me directly as they didnt want to entertain my complaint via BBB. So I called them back today and spoke with the rudest supervisor named Yolanda Operator ID 702590 (she didnt want to give me her last name) who said that she is not able to remove the 63.97 and that will have to pay this ridiculous fee on a closed account but assured me it would be closed once I pay it and ohhh she was so "kind" to remove the 2.97 . Then she said once they receive my payment she will mail out the letter showing that the account is showin -0- balance and account closed. Vile unhappy human beings who are a bunch of thieves!!! STAY AWAY FROM COMENITY THEY ARE NOT WORTH THE FINANCIAL NIGHTMARE read more

Dear, Comenity Please join the 21st century and allow credit card applicants the ability to verify additional info via phone. I was a cardholder of your Ulta Beauty Rewards Mastercard Credit Card and decided to pop into an Ulta store in Arizona yesterday evening while on vacation from Detroit to make a $500 purchase to learn that my credit card had been deactivated. I was told by their wonderful team that more info from me to approve due to an address change and my name change due to divorce. When I called your Customer Care team to provide them more information the call was dropped multiple times and the last woman I spoke to told me she couldn't help me because they needed me to read them a code off of a letter that would be sent to my house. She told me this after I provided her with my full name, my married name, Social Security number, both my current and previous address, phone number and email address AND read her the card number off my previous card. Keep in mind I was on vacation trying to make a purchase for items I needed on the vacation. I have perfect credit and am in a good financial position so this shouldn't have happened to me at all. It is astonishing to me that in 2025 you cannot verify my account information via phone with all the information I provided. I had received no communications from you that my account had been closed. This experience was so infuriating I had to leave the store without the items I needed, because even though I could've easily put it on another card, it was now a matter of principle not to make a $500 purchase that I wouldn't receive a discount or reward points on. Might I also mention happened the day before my birthday?!! I have already filed a complaint with the Better Business Bureau and will be posting this on all your social media accounts to warn others about your poor customer service so they can avoid doing business with your company, as I will be doing for the forseeable future. read more

They have terrible credit card customer service. First I couldn't understand anything the representative in India was saying. Then I got transferred to someone in the US who had an attitude. They called my phone number about 20 times before they actually left a message. Most people don't answer a call unless they recognize the phone number, so their calls without voicemails are useless and harassment. They do not confirm anything by email, which is the preferred method of communication for most people. They don't leave messages and don't email because they don't want you to have proof of anything that they say or that you've told them. read more

As someone else stated, if your account was tranfered like mine was - YOU ARE IN DEEP SH*T TROUBLE. I almost had mine paid off and my balance was a little over $1000 until on July 10 2024 they hit me with a $1,191.81 Intrest charge. I have called TWICE about this, get put put hold, and then a BUSY SIGNAL? I am not sure what to do about this at this point but I do not believe a 100% Intrest charge is LEGAL which over then DOUBLED MY BALANCE. Calling them is USELESS - They will just DUMP your call at some point if you try to get any answers. Pewrhaps a CLASS ACTION LAWSUITE is in order on their Predatory practices that are unethical, unfair, or deceptive business practices that exploit people. read more

Comenity Bank - Intrest on my statement that more then DOUBLED my balance at once - Professional Services Near Me

Rude staff. Put me on a payment plan that I didn't qualify for & claimed my payments didn't go through.

The familiar "If I could give zero stars" applies here. I wish I would have seen the Google summary for this company: "Comenity Bank, now part of Bread Financial, receives overwhelmingly negative reviews from customers, generally earning low ratings (typically 1 to 2 stars) on consumer review sites like WalletHub, the Better Business Bureau (BBB), and Trustpilot." Yes, they are predatory. The return of a $60 backpack and the due date for my payment crossed, yet they insisted on charging late fees. So I ended up getting a $60 refund for the backpack, but paying $85 in late fees for absolutely nothing. After persisting and insisting to speak with a manager, they gave me a $33 dollar credit. But when I had paid the rest of the balance and I got my next statement, they reversed one of the $15 credits and I was charged an additional $10. I have very good credit and I'm tired of dealing with this situation, so I paid the $25, waited 24 hours and closed my account. Please don't learn the hard way. Learn from me and do not have anything to do with this company. I will also not walk into an "Academy Outdoor and Sports" store again. You are part of the problem by working with Comenity for your credit card. Hopefully both Comenity and Academy will end up in a class action lawsuit. read more

Sephora card- worst customer service everrrrr. Still waiting over a week later for a supervisor call back

Very disappointed with the customer care from this credit card. I have a Ceasars Las Vegas Rewards card with this bank, and typically only use it occasionally and when in Vegas. Although the credit line is moderately generous, I simply don't pay it a lot of attention due to my AMEX platinum, and other card that offer much better value for points etc. I recently got a letter in the mail threatening me due to inactivity and if I don't use the card in a few weeks that they would close my account and therefore hurt my credit score, so I pulled the credit card out to use it only to find that the card is expired. I have been on the phone for over 2 hrs getting the run around just trying to get a new card sent to me with a proper expiration date all to no avail, I got transferred to the Philippines, then to some Hispanic "supervisor" obviously unprofessional and working from home with her dog barking and barking in the background. This card company is the worst!! I am going to call Ceasars concierge and let them know that they should consider another bank for their CC, as this is not the level of customer service a Ceasars client would expect. read more

I had fraudulent charges on my account in 02/2025.I reported it to the fraud department and they were going to look into it. I'll called a number of times since and get transferred back and forth from one department to another. They issued me a new card. I'm still not able to use it because because I'm over the credit limit because the false charges are still there. I haven't been able to contest the charged because I have been unable to see them. No ne will help me!! read more

Total frauds. Don't post payments on time and sometimes don't even take payments with confirmations. Stay away!

You could improve absolutely everything. Very inefficient and you have dragged my credit rating down. Stop canceling cards for not using them often enough. If I don't need something I don't buy it just to keep a card active. read more