Tenisha T I have been buying clothes from Children's Place online for years. For this past statement for May, I paid off my balance on the due date, but because it was paid after 5 pm, I received a new statement in the mail for a late fee and interest. I called Comenity Bank to possibly get that waived and was told the Bank could only waive $15.00. I asked if I could review the documents stating that and she said there was no documentation and that it was just their policy. I feel like canceling my account and boycotting. UNREAL. read more

Comenity Bank (Bread Financial) not a good company in terms of obtaining a credit card. I have them with the Caesars Rewards Prestige. I have a $29,000 credit limit of which I pay off 100% monthly. Yet every purchase I make over a few thousand dollars gets declined. Prestige card waives cash advance fees, yet limits me to $600 a day as if I were a child. Not worth the additional fee if you need a cc for large purchases. read more

I paid my balance a year ago on an Ann Taylor loft card and closed the account on the same day the only way I could close the account was to pay the balance in full which I did. Apparently the agent did not include a $3 processing fee which has been outstanding all this time without any notification and has incurred now $117 in late fees which they will not do anything about because the account is closed. This is absolutely fraudulent in the worst company I have ever dealt with! read more

Have had nothing but problems through Comenity, especially Petco spoke to three different people, Stella, Lily and Lauren Lauren being the nastiest of them all have been a customer for years never have a late fee and paid my bill a few hours late because I had a family member who is sick who ended up passing away. Was told by both people that the late fee would be waived as a one time courtesy and I had to wait on a specific date to call back called back was told the same thing and now I got to look at my statement and it didn't even fully refund me the third person on the phone was completely nasty and I explained that the other two people should've told me that they weren't going to refund me if that wasn't the case, considering the issue and the amount of money that I spend on my credit card and then I've never had a late fee. Both people managed to tell me what I want to hear and yet nothing was done correctly. Everyone I speak to a customer service is nasty and completely disgusting. read more

I have the Academy sports credit card through them. I cannot access my account or rewards or anything. making a payment is very difficult since I can't login I have to fast pay everytime and it is a process if I don't have the card on me I cannot pay it. Not practical or efficient in any way. Maybe get a more user friendly website/portal? read more

PLEASE, read other reviews, they all state the same! This bank's license must be revoked - its a scam! After 25 years of being a loyal customer in good standing and then sold like cattle by Bank of America to AAA Comenity Bank, I am deeply frustrated and disappointed with Comenity policies and unfair business practices aimed only to impose fees and interest instead of providing good customer service, which by the way is often hard to understand due to its agents' thick accent. It is, also, the only institution that does not provide any grace period customary with every company I do business with, including all other credit cards. My statements (yes, I still receive paper statements via USPS) always delivered late, 2-3 weeks after closing date, leaving not enough time for payment's timely delivery/processing - maybe they are purposely don't cash them until due date is passed so they can charge those fees and interest - I wouldn't put this passed them... However, even after agent removed late fee and stated that the bank is aware of problems with postal service I was still charged interest. Not only do I not recommend Comenity bank to anyone, but after 30+ years with Bank of America I am going to close my account and will do my best to share my review on Yelp, Facebook and all other platforms available. read more

everything from the deceitful cashier ringing up sale items at regular price and lying telling you to confirm after you ask and confirm it's on sale. yet when you sign on the pad it's asking for your signature but doesn't show the price and they state your receipt is in the bag when i get home and remove my items and receipt from the bag and check the receipt the price is wrong i immediately call to speak to the clerk she states she is correcting it and my account will be updated! never happened and the online order that was be sent to the store i never recieved it. the msgs me to pick it up when i get there it wasn't there seating they didn't know where it was or what happened, then said sometimes it's sent back. bit never credited my account and is still to this day charging me for missed payments on a bra i never received, and stating the money i paid is for late fee $41. my bra was on sale for $19.99 i paid $41 and their saying it was a late fee. this had gone on since january! they call me today saying i have another missed payment and want to collect for a late fee of $41. i explained againg. she says she see the notes and can she put me on hold i say sure! im still holding and at 25 minutes and counting! they aren't gonna come back on the line because the know they are caught in their lie and crooked ways! now 27 minutes and counting!! now i have to release the call because they aren't gonna come back to the line.... read more

Longtime Customer Since 2007 - Shocked, Angry, and Deeply Disappointed I have been with this company since 2007 and never expected to be treated this way. Without any notice, they CLOSED my account simply because I paid off my credit card and hadn't used it for 18 months. The reason I hadn't used it was because I've been busy caring for my children with autism and haven't had the chance to go out much. The most upsetting part? I only found out my account was closed when Credit Karma notified me--NOT the company. I had planned to use the card for an upcoming celebration, but now I can't. When I called to ask why, they told me it was because I didn't use it for 18 months straight. So basically, they're forcing people to "use it or lose it." That's not loyalty, that's a trap. This decision also dropped my credit score, which makes this even more devastating. After almost two decades as a loyal customer, I regret ever trusting this company. They clearly don't care about their customers as people. This kind of practice should be illegal. read more

I WISH I COULD GIVE 0 STARS!!! WORST BANK EVER!!! PLEASE, PLEASE, PLEASE, STAY AWAY! I made a purchase at Kay Jeweler on December 11th 2025. I enrolled in Kay's12 month 0 interest program. This means I should pay $156.32 per month for 12 months. As you can see below, I made my 1st payment $250 on January 2nd 2026, which settled the January bill. I then made February's payment of $163 on January 5th 2026. I made my next payment on February 7th 2026 of $150 and an additional payment of $100 on February 19th 2026. I set up an automatic payment of $175 to start on March 5th 2026 (not shown) which was when I discovered that Comenity Bank penalized me with a late fee of $30 on February 5th 2026!!! I called customer service to get the fee removed, but was told because I paid before the bill was printed that all payments would be for the previous month. I explained to them that the program I was in had 0 penalty for paying early. The customer service agent even said to me that she knows it doesn't make sense, but that's just how it is and that she could only return $15. This is the most retarded thing I've ever heard. First, they steal my money, then they offer to give half of it back because I'm a loyal customer!!! Comenity banking/credit practices are criminal! Date Description Amount 02/19/2026 PAYMENT - THANK YOU -$100.00 02/07/2026 PAYMENT - THANK YOU -$150.00 02/05/2026 LATE FEE $30.00 01/05/2026 PAYMENT - THANK YOU -$163.00 01/02/2026 PAYMENT - THANK YOU -$250.00 12/11/2025 KAY JEWELERS JACKSONVILLE FL read more

this place just harasses you after just being 1 day late. they will call you every hour and they call from unknown numbers and then call from an actual number. when you answer the call they try to make you do a payment over the phone and keep asking you to process the payment. this place is just annoying and rude read more

The worst company ever! If you love paying fees then this company is for you. Even if you make all your payments on time, they will screw you over faster then you can blink. 0 stars for this terrible "business". read more

Terrible bank--made a payment of $63.55 3/14/25--they did not get it until 4/9/25 & charged me a $30 late fee--now it is up to $63 on 6/2/25--I called a supervisor & he said they gave me a one time credit in may for $15 (which never happened) & he won't waive the $63 (which is only late fees & not for merchandise)-- never Use this bank..... read more

This is the worst credit card bank EVER! I was recently informed by my discover card that someone was attempting to gain access to my online information. I was on vacation so I just called my other cards to have them froze until I returned. Well, commenity took it upon themselves to start an investigation, they requested I send my DL, Social security card and a utility bill. After I sent it they just closed my accounts. From the beginning they treated me like I had did something wrong. Very rude, unprofessional and unhelpful. I cannot even see if there are any charges that are not mine. Very aggravated with them.. stay clear of opening any credit card with them! read more

I wish I could give 0 stars. Long story short, I've signed up for autopay multiple times (I have the Lane Bryant card through Comenity Bank) and they keep removing it then charging me a late fee and making me sign up for autopay again. Then tell me that because I've been credited once ($15 of the $30 charged) that I am not eligible for another late fee credited. Do NOT open a CC through them and if you have one close it ASAP. What a scam! read more

Comenity Bank - Charged me a late fee in Jan and then again in June - Banks & Credit Unions Near Me - Wilmington, Delaware

Misleading advertising. Got me to apply and get approved for a card. I then read all the horrible reviews about this company and immediately cancelled. read more

I highly recommend people to avoid applying with anything that says" Commenity Bank", consumer revolving credit cards, store credit revolving credit cards, lines of credit, etc. For the first time I accidentally made a payment 5 days late after a perfect credit history with them and my perfect credit in general. I was tranferred to 3 different representatives and I was 60 minutes on the phone, the late fee of $50.00 dollars will not be waived and in addition to that the representatives were rude,ignorant and disrespectful. read more

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

I have an Academy credit card through, this bank. they are not very good. I will not use their card again. I was charged fees that were their fault. read more

SCAMM!!!! Double your account balance if you go out of promotion period. I have interest of 2,913.00 added to my account under the lining of "Interest". Honestly, Disgusting! read more

Got an AAA Comenity card last winter. First two purchases involved calling Comenity because the transaction was denied. This is problematic because Comenity customer service is Third World based, which often presents a profound language barrier.The card worked for about 7 months. Got a promotion about a 10$ credit if you made 3 purchases online totaling 350$ or more. After the second purchase the card was frozen due to what they considered a fraudulent transaction. I've since spent well North of 25 hours on the phone (with Third World Comemnity customer service) trying to straighten it out. I've gotten numerous messages on the Comenity site stating there are important disclosures attached.....and there is nothing. Three weeks later I have no idea what is going on with this card. Tried to redeem the rewards to completely pay off this card and never use it again.....but nothing happens when you hit "redeem". I've had dozens of credit cards in my life. This is the WORST credit card I have ever had! No credit card is worth the aggravation involved with being a Comenity customer. I would avoid anything related to either Comenity Bank or Bread Financial. There are far better credit cards out there, and ones that don't involve spending hour after hour trying to communicate with customer service reps who struggle with the English language. At best Comenity is an incompetent institution with utter disregard for it's customers. At worst they are an institution that scams it's customers and intentionally uses a complete lack of customer service to encourage customers to simply give up. Well I gave up....I'm done with Comenity. read more

They charge for a paper statement, but make online payment very difficult. Avoid them if you can.

The guy i spoke with, who has consistently been calling me at minimum 10 times a day, hung up mid phone call. he said what he wanted to say real quickly and hung up on me. read more

Stay away! Communication and organization are lacking. I do not suggest or recommend this service. The level of service is low, and the organization is poor. It is just not good. Stay away! read more

Don't ever ever do business with these loan sharks. Their business practice is borderline illegal. I'm starting to think that payments aren't even being applied to my account! read more

. I wanted to get some pictures framed and I went to the Micheal's store in KCMO near Liberty, MO.. There was a real friendly employee who helped me with all that I needed and she was very polite. She talked me into applying for a Michael's credit card and by using the incentive of a customer using the Micheal's card they would get an additional 20% off their first purchase. She easily talked me into getting the Michael's card. She was very helpful and the posters turned out terrific. I asked if I should pay for the frames when I picked them up or now. She said, "You've already paid for them." Life is really very busy so I saddled up my horse and got back out there in the real world. Then several months later I start getting all these harassing calls from a "Comenity Bank" about overdue bills, late fees, fines, and threats of lawyers. Despite me providing Michael's with my correct home address and phone number when I applied for the card. Using my old address they sent the initial Micheal's card and subsequent Micheal's bills to an address that is 3 years old. Me thinking this is just a huge misunderstanding or perhaps it's all a big scam I call the local Michael's store with questions about this "Comenity Bank" and that they all have foreign accents. I wanted to know if Comenity bank was legit. A young Michael's manager tells me, "That Micheal's is totally unaffiliated associated with Comenity bank." I said, "Yes you are! Comenity Bank does your financing card. You are directly and irresolutely connected with Comenity Bank." I left a message and my phone number with the Micheal's manager guy, and I stated, "That I would like for the store manager to please call me back." After 3 weeks and I still got no return call from Micheal's. the nightmare continues when the calls from Comenity start again. What a complete chaotic disaster. Dear Micheal's - WAKE UP CALL - You have partnered with a very shady and unscrupulous outfit in Comenity bank!! I am canceling my immaterial Michaels card and will never step a foot in your store ever again!! I plan to tell all friends, acquaintances, and family how screwed up your organization is!!! Your KCMO/Liberty, MO. Michael's store manager refuses to return my calls. Giving you a "1" on your yelp review is a generous assessment on my part. Hopefully I will be around to see Michaels go bankrupt. No that would be a hoot! Have a nice day!! Bryce M. read more

Worst bank ever!! I wish I could give negative stars. I paid the card down to be able to charge my dogs $6,500. surgery and called Comenity several days before the surgery to make sure I was set. They've embarrassed me before and I told the rep in India I wanted to make sure they didn't do it again. But, despite the funds already coming out of my bank and his assurance that my available credit was indeed over $6,500 they declined my charge!! I was not only humiliated at the vet but ALL my available funds went to the Comenity credit card and I had no money to pay the vet. My calls went directly to some fraud department which was "temporarily closed" and I had to apply for emergency credit to take my poor dog home. After many many calls for days they finally told me that despite what their "customer service" rep told me about taking 24-48 hrs to post payments and despite the fact that funds were out of my account, and despite the fact that their website showed plenty of available credit, they require 7 days to post a payment!! So, they took all my money and held it for a week, told me it would be available, showed that it was available and yet it's not for a week, while I'm paying interest on an emergency credit plan while they hold my money! They're crooks and liars!! I hope someone files a class action suit against them someday. read more

ZERO STARS. I borrowed 2000 for eye surgery from them? Alphaeon credit with term of 24 months. I paid it all back withing three months, but got a notice that is till owed 15.00 for a late payment. i tried for months to get them to wave this B.S. fee, but they wouldn't and keep adding another 15-30 every month . Fighting them and taking them to court for FRAUD. Do not do business with them as they are thieves and will find ways to over charge you with hidden fees and stuff made up read more

There is a reason Comenity has so many consistent 1 star reviews. This is by far the worst customer service I have ever dealt with. First their automation is lacking options that will have you feeling frustrated trying to accomplish the most simplest of tasks. Once you can finally get a hold of someone, they are definitely in a foreign country, and not understanding what you are trying to accomplish. They just keep repeating the same thing which is probably on their screen. I was told there was no one else to talk too, and just canceled the card. The man on the phone did not seem to care, and just kept repeating how they value my business, thank you for being a customer, and stay safe. This was very contradicting, considering I just told them how I am no longer going to be a customer. read more

I deliberately burnt my credit card in the furnace, last January (2025). Now I am being harassed for various charges ranging from $12.00 to $90.00. whenever I'm transferred from department one department to another, they change how much was spent on the card, which is amazing since I have not shopped at Michael's since about June 2024. The staff are extremely rude and talk over me. Given that the account has not been used by me since last year, then someone else is using it fraudulently, Whoever has access to my account is the real fraudster. A reputable company would investigate this issue. Furthermore, I've explained to them that because of severe disabilities, my husband must drive me to places and assist me with dressing in the morning. Since there is now a better store in our city, and has a better range of goods than Michael's which is about 40 miles away from where I live compared to 6 miles to our shopping mall, there is no reason for us to travel the 40 miles distance to go to Michael's. These people must stop mistreating customers. I certainly would not recommend them. Additionally, the last time I used the card, I paid in cash at the time of the purchase. This company is not trustworthy to work with; they are fraudulent. read more

Like all other reviews here my experiences with this "bank" has been a disaster. If you come across this name in any form or fashion it's not worth the headache. I dont care how bad you want something or think you need something you will be sorry in the long run. YOU'VE BEEN WARNED!!! I have a high limit credit card with Caesars Resorts for reference. Has not benefited my tier status any more than my Wyndham rewards card status match. Except the headache dealing with this low budget operation pretending to call itself a "bank!" read more

I am very disappointed with the service of this bank; I have been making payments for my credit card twice a month and this month because I made the payment one day after the due date they are charging me $40 fee. I talked to customer service and they are not willing to remove the late fee. So I payed the remaining balance and I'm closing my account, I don't think I am going to use this bank anymore. read more

Horrible customer service and interest rates. Phone rep had a loud barking dog the whole time I'm trying to talk. Had 100 left on my account, paid 50 and received 200 in interest the next month. Would have just paid off the 100 and been done with it but they don't let you know at the time of payment that it is your last month to avoid interest. Very shady. read more

Un-effing-believable. This is a firm that preys on consumers for full-on financial gain with various 'nickel and dime' fees that they can assess on each consumer. If you are late, they will slap you with a late fee (no surprise), but even if you pay on time the whole balance, you'll still get a finance charge. Who the eff does that? STAY FAR AWAY FROM COMENITY BANK/DELL FINANICIAL SERVICES/BREAD FINANCIAL. Go to Discover as they have better terms and APR rates. Pisses me off big time. read more

I have had a LBryant card for years, years. Today I found they just closed it-for no reason. I didn't even have a balance on it. Comenity is the worst bank with a monopolization on most stores. This is a sad state of affairs...use your visa card and don't give this place your business or your money. read more

Comenity bank is the issuer of my Victoria secret and HSN credit cards. I was informed by a customer service representative in January 2025 that a late fee in the account of approx $31.00 would be waived on my Victoria secret card due to an incorrect address they had on file preventing me from receiving my bank statements unfortunately that never happened. I called in Feb 2025 to make a payment and inquired about the late fee being credited to my account and was told that my account was never credited so I filed a dispute. At the same time I made my payment and was leaded to believe by the representative that with the payment made it would leave me a zero balance. Three months later I received an email from comenity bank that my account was past due and my account had been charged approx $160. in late fees and I had a balance of about $245.00. No customer service representative could or cared enough to explain how this happened. I have called 1-2 times per week to every other week but, to no avail. Every representative that I speak to tells me something different and on top of that, Comenity reported me late to the credit bureau when it was their fault. Comenity did the same thing with my HSN card. They claimed I have a $9.00 balance plus added approx 35.00 in late charges when I have a Zero balance and reported me 30 days late to the credit bureau. Lastly, customer service is horrible!!! I will be closing all accounts I have with comenity bank forever!!!! They do not care about their customers in my book!!!! read more

I paid off a line of credit/loan with them, and they went back AFTER I'd paid off the loan to charge me additional fees I did not owe them. I told them I wasn't paying it because i selected "Pay Off Loan" on their website when I made my last payment. They tried to extort me for the money I did not owe them, so I told them to close the account. They have reported it negatively on my credit report, and some other predatory lending entity purchased it and is trying to extort money from me that I do not owe. I will never pay this amount because I do not owe it, and such a predatory lending entity like Comentity Bank and Alphaeon should not be allowed to engage in finance charges after payoff of loans. I will never pay them another dime or finance anything if they are the financier. read more

Scamers, avoid any business with them. Hidden fees, minimum payment is way higher than it should be. I really hope they will have the same luck as Roomplace and will be soon out of businnes. read more

Comenity bank is the provider for Big Lots credit card, which I opened and made a furniture purchase with zero interest with 12 months to pay. I called the nearest Big lots store nearest me, which was 8 miles away,as 2 of the locations closer have closed, and asked if I could pay my account in the store, they said yes, but when I arrived to make the payment theystated that they didnt take checks,only cash, and the paymentwas due that day, which necessitated me calling the cc so that Icould pay the entire balance, whichI did. The next monthI received a statement with a 30$ late fee, Icalled the cc and told the agent what had occured and she said she would credit the late fee In October I received another Big Lots statement for 15$ and a 2.00$ fee... againcalled the cc and was told that they only credited half the late fee, and they would not make any exceptions, they supervisor Nick #5007 was curt and surly. I will be closing the accountand would suggest that one should choose wisly when opening a account with Comenity Bank! Iwill be sticking with Citibank read more

They are running unethical practices. I called their agent to make a full payment and later ended up charging me multiple late fees. When I called to make a full payment, the agent failed to mention late payments, only that my account was fully paid off. Then I am continued to be charged late fees, although I was told to disregard messages cause my account is paid. I called back to get this fix and they forced me to pay the late fees, and they will TRY to get it removed from my credit. I asked multiple times to be escalated to someone that could help and the agen continued to read from their script. I made the payment and filed a complaint for unethical practices. I will never use Comenity again, it has been awful since day 1. read more

Been TWO MONTHS, NO reply from anyone at Michaels !. Their credit card which is issued by a scam of a bank Comenity is a rip off. Bought $25.00 stuff at Michaels, was 12 hours late in paying ( because the store didn't accept the payment ) , was charged $58 Late fee, I was so upset so closed the account !.. They are STILL billing me $40 a month .. and told me that it will continue for life unless I go back and pay all Finance charges of HUNDREAD $100.00 .... YES $100 on $25.00 PURCHASE !.. You can read all the complaints on BBB ( Customer Reviews 1.04/5stars Average of 1,837 Reviews ! ) They have been scamming customers for years ! https://www.bbb.org/us/oh/columbus/profile/credit-cards-and-plans/comenity-bank-0302-6558 While the new CEO of Michaels Buchanan is going to make a yearly base salary of $1.2 million, as well as a signing bonus of $3.7 million. read more

Comenity Bank - Late Fee Every month on a CLOSED account ! - Banks & Credit Unions Near Me - Wilmington, Delaware