Comenity Reviews: 26,734 User Ratings (2024)

1 Star Rating

Horrible. It was very hard to find a way to pay other than automatic payments. I finally found a phone number, but no one answered. A few days later, I was able to speak with someone, but they were not well-trained and were unprofessional. This wrecked my credit score- because of their incompetence.

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1 Star Rating

I was a loyal customer of Talbot's for over 30 years. I didn't pay much attention to the interest rate when Talbot's started using Comenity Bank for their store credit card because I always paid off the card in full soon after I purchased items. The rewards and perks of using their card are great - free shipping, discounts, etc. However, I noticed they were charging small "interest fees" the month after I paid off the card. This is Comenity's policy. Then I received an email this year (2024) that they were increasing their interest rate to 35.9% on unpaid balances. I vaguely recall usury laws going into effect many years ago that limited the amount of interest, but apparently, that only applies to loans and there is no limit to what a bank can charge on their credit cards. I think this high of a rate is absolutely unethical and canceled my card immediately. I cannot support a business that misleads its customers like this. I have three issues with Talbots and Comenity: 1) the "junk fee" added the month after your card is paid in full, 2) the exorbitant interest rate, and 3) the delay in posting credits when a purchase is returned. It can take weeks after an email confirming Talbot's received the item before the credit is posted to your card -- I suspect this is planned so they can charge you interest. I will no longer do business with Talbot's until and unless they choose an ethical company to handle their credit cards.

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1 Star Rating

They offer great six-month interest-free loans on purchases on some websites. Sounds great, but too good to be true. You make six monthly interest-free payments. Sounds great? Nope, you're socked with accumulated interest at the end. Stay far away.

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1 Star Rating

This card is not trustworthy! I opened my account at the end of June, and it is almost September, yet I still have not received my card. I have called twice, and they claim to have sent me cards. They are attempting to charge me late fees for a card I have never even received. I used it once for a $37 purchase, and now they claim I owe them over $90. The representative, Kristine, over the phone, offered to remove the late fee if I kept my account open, but the late fee is still there. I strongly advise against getting this card. It has caused me so much frustration.

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1 Star Rating

Do not purchase furniture at Biglots. They claim it is 0% interest for 12 months, but they lie and charge interest. Then, when trying to correct the error, they give you the runaround. I will be reporting this to the Better Business Bureau and to corporate.

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1 Star Rating

Terrible company to deal with - AVOID AT ALL COSTS! Key Whitman Eye Center involved me with this company for cataract surgery. The company did not state anywhere on their online payment site that it was promotional and charged me $2,500 in interest after being over by one week. I was unaware it had a two-year timeframe. When I noticed my balance had drastically increased, I called them only to find out that my promotion had ended. No mercy shown! I am a senior on a fixed income. I was so proud of having reduced the total from $8,500 to $1,800 - then I was hit with this outrageous interest charge. Had I known about it, I would have transferred the $1,800 balance to a different card. DO NOT LET ANY DOCTOR TALK YOU INTO USING THIS COMPANY AND BEWARE OF KEY WHITMAN EYE CENTER IN DALLAS, TX.

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1 Star Rating

They are scammers. They remove your scheduled payment to receive the late fee. I've been paying a late fee every month even though I schedule my payment on time, but somehow it gets removed, and it doesn't show anymore.

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5 Star Rating

I prefer this great credit card because it is a fantastic financial tool. The card is user-friendly and beneficial for budgeting and my shopping needs!

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1 Star Rating

I always received a bill in the mail, but all of a sudden they switched me to paperless. I didn't read my email, so as a result, I didn't pay my bill, and they charged me a $30 late fee. I couldn't believe it when I asked to speak to a manager; she was rude and refused to offer a solution. As a result, I am going to close this account.

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1 Star Rating

I attempted to obtain information about why I can only download transactions in OFX format, and I was informed that they were unaware of the web page. They were also unable to direct me to someone who could assist. I doubt I would choose this bank if they lack access to their web developers.

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1 Star Rating

The worst credit card ever! You make a payment, and even if it has cleared your bank, you have to wait 10 business days after the payment has cleared to use the available credit posted online and over the phone. The credit card representative supervisor confirmed that this policy is not in the credit card user agreement. This is fraud and false advertising.

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1 Star Rating

"If I could give zero stars, I would... This company is a scam. No one is knowledgeable enough to understand and communicate situations. Do not get the card; the credit team is ineffective at addressing any concerns, and you will be charged additional interest even after completing the payments. They lack structure, and I regret the day I walked into one of these locations."

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1 Star Rating

Do not get a credit card from them. Customer service does not know what they are doing. High interest rates. They try to keep you locked in for life, even when you pay off your balance. I do not know if my next step will need to be hiring a lawyer. Scammers.

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1 Star Rating

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1 Star Rating

I encountered Comenity Capital through a credit card program with Academy Sports. I quickly realized that, in addition to committing fraud and being extremely predatory, they are a horribly unethical financial institution with no customer service. Avoid them at all costs.

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