Comenity Bank

I opened up a credit card with this company through Victoria’s Secret which was such a bad idea. The fee’s to pay for this card over the phone was $ 20 even if you’re making a $ 50 payment. I had $ 20 left to pay and I slacked off for a few months and next thing you know my balance was $ 275.35, due to the fact that I slacked I thought the fees are reasonable and I paid it off by going to the store to pay it in order to avoid the $ 20 fee over the phone.
This company had woken me up multiple times in the morning which is pretty inconvenient for me because I get off work at 2 AM and don’t get home until 3 or 330am. Around 1030am comenity bank calls me and woke to demand that I pay or a balance that I had already paid off and due to the fact that I had trusted Comenity Bank I was very careless with the receipt so I went into Victoria’s Secret to get a reprint of the receipt and the employee there said that they don’t do reprint so I went home and called customer service and they said that i should be able to So I went into the store again and demanded that they give me my receipt. the employee said that the wi-​Fi was down and that I needed to come back again so I went back next morning and got a receipt. After getting the receipt I called Comenity bank and gave them all the information on the receipt down to the till number. just when you think that it’s all over, again, I was wrong. I kept getting calls from their representative harassing me to make my payment and they told me if I made it than I need a fax the receipt so I did and still issue had not come to an end. They said that they would call me if they had any further question but they still had collections called me demanding that I make payments that I had already made in December 4, 2015.
It is now February 25, 2016 and my issue is still not resolved they said that my card was charged off and is now close so I would need to make my payment to avoid get sent to a third party. At the end I ended up talking to one of their representatives who ask me, why didn’t I just dispute it? and I told him I did and he said nope there is no dispute on my account. Now I have to write a letter to them and mail it off to dispute it. just so that it gets to their p.o. Box asap I even paid $ 23 for the express fee just so the problem can be resolved in a timely matter. At this point it’s my issue is still inconclusive. So I will be filing a small claims for harassment and inconvenience.

Never again. Interest rates arbitrarily tripled on credit card despite no history of late payments or penalty fees and a good credit rating, Beware of this bank and their desire to gouge customers with sudden and capricious rate increases.

Don’t bother getting this card. Virgin America switched to this despicable bank a while back and it is a disaster. They question/​deny almost every charge even when buying Virgin tickets with the cardholder’s name! When you call to reinstate you get a busy signal. Not enough employees. Why carry a card that’s unusable and therefore unreliable? I will no longer achieve Gold Status wx Virgin America because I simply cannot use this card. My husband refuses to carry it at all and canceled.

I wouldn’t recommend a loan with this company. They seem very dishonest to me. I’ve had an issue with them ongoing for the better part of a year and when I call to inquire about the seemingly never-​ending issue the new reps cannot seem to find any notes of previous calls on the same issue. They tell me what I want to hear but never follow through.
I purchased my products from a reputable business and I’m surprised they are partnered with such an unprofessional bank.
I wish I would have read the other reviews on this page and sought financing ahead of time elsewhere before taking a loan with this bank.

VERY DISLOYAL INDEED!
I had applied for a credit card with Express. The card was operated through Comenity Bank. I closed the card down. Months later I received a call stating that the card apparently had a balance and they have been sending me letters. I ASKED FOR THE BALANCE WHEN CLOSING THE CARD. I WAS TOLD THAT THERE WAS NO BALANCE. Now months later I receive a collection phone call about a balance of $ 36 that turned into $ 211 with late fees. Apparently they have been «trying» for MONTHS to get the repayment. Yet no MAIL or PHONE calls to me. I argued with them, and then finally paid it off.
A few months later I get ANOTHER CALL for another balance for the same express credit card through Comenity Bank. Are you kidding? This time they told me that there were some late charges that were never paid. I argued for a while and PAID THEM ONE MORE TIME FOR THE SAME «BILL» and this time demanded a letter from them saying that the account has been closed, and wanted this to be completely over with. They promised to send it, but I never received it. When I asked for an email, they said they do not send emails and verified my address to ensure I will receive it.
Now, in 2015, apparently they did a charge off in June of this year saying that the business had to take a loss. Come to find out, when I ran my credit report, in 2013 they did a charge off and one more in 2014. Also, they are keeping this open til 2021. How is this even legal? Being reprimanded for an account I closed, paying for the late fees for an account I never knew existed, and after all that, having ELEVEN COLLECTION AND ONE CHARGE OFF on my credit report from them. I used to have REALLY great credit. In my credit report I had 12 collections listed. 11 was from Comenity bank. One of them was my fault. I had student loans and I didn’t keep up with it when the lender changed. But everything else is FLAWLESS.
Now I feel like their hostage. They have 11 collections noted and a charge off they renew EVERY YEAR. HOW IS THIS LEGAL, ESPECIALLY WHEN THEY TOOK MY MONEY TWICE! There is no way this business should stay in business. They will not even provide me with a letter that states that account is no longer active. I started a business last year and my credit card application got rejected, my refinancing for my home got rejected. And because of Comenity bank’s charge offs and collections. Who would throw their life away for $ 36? At this point I have paid this bank $ 422 (for the original $ 36) and they are renewing a charge off on a yearly basis that stops me from running a business. Is this so they can show their business in deficit to the IRS? Someone should reach out to express/​victoria secret and any other shops you provide services for and let them know how you are causing them business. I have been turned off from both retailers as I thought choosing a fraudulent bank was a poor reflection of their decisions as a business.
What happened to ethics in business Comenity Bank? What do you plan to do to rectify this situation.

Horrible experience. I opened a loan for major dental work. I send my payments thru my bank’s bill payer which had been set up to arrive on mu due date but because of their incredibally slow internal processing tit was «late». When I spoke to them they waived the charge but now I have to send my payment 15 days early just to allow for their procssing. They added a $ 10 fee which I didn’t know about so my payment was not the «full» amount. I received no less than 20 phone calls about this $ 10. fee even after I told them I would pay it under protest.
They are obnoxious and are constantly trying to add on fees!
Find another bank. I wish I had read Unilocal before I made this decision.

This company has called my house 3 times this morning in less than an hour. Answered the last one and nobody there. I looked up there list of cards I don’t have any of them so why they’re calling is a mystery. Tired of them calling, not leaving a message and not being on the line.

Horrible experience with ALS filing for bankruptcy. Similar to what other commenters/​yelpers/​posters have written below. Definitely a learning experience.

I was a client of American Laser Skincare (ALS). ALS was a spa chain that closed its doors in the middle of the night, without warning, in early December of 2014. I later found out that they filed for bankruptcy (Case# 14 – 12 685). I bought several spa packages from them and financed them through Comenity Bank. I paid Comenity Bank in full for these packages in early June of 2014. When I disputed the charges, Comenity Bank told me that they had already paid ALS for these packages so I asked them to send me a letter stating this so I could file a claim against ALS in bankruptcy court. I made my first request for a letter in December of 2014. We are now in the month of March of 2015 and I still have not received that letter.

Me and my daughters had laser treatments with ALS, signed up with Comenity Bank to finance the charges. ALS closed their doors, and now we’re fighting to get our refund back from Comenity Bank. First, they told their customers yes, we’ll refund you what you paid for services not rendered. Now, they only adjusted the account to a zero balance without giving their clients the money that was paid. They’re playing games and I will NOT RECOMMEND this bank for anyone. A report has been submitted to the Better Business Bureau and Channel 7 on your side. Still calling them everyday to get our refund. FB — some clients received their refund, and some didn’t. They will not even discuss how they resolved those cases, case by case B.S. What’s the procedure? They make up bull shit excuse just to get you off the phone. Managers don’t even call back. playing dirty games. This bank SUCKS!

Fraudulent business practices! Consumers beware. I signed up for a Pottery Barn rewards point program, but Comenity switched my account to a deferred interest plan without my knowledge or consent. I contacted the office to dispute that my purchases were on the deferred interest plan, and requested I receive the points, as that was the plan I signed up for. I received a letter stating they would not give me the points because I had already paid for my purchases while it was on the deferred interest plan. Now, does that make any freak’n sense? I will be contacting the Better Business Bureau to determine what legal recourse options to pursue.

What a terrible credit card company! This place and GE Money Bank are the worst loan sharking credit card issuers out there. DO NOT GET A CREDIT CARD FROM THEM. They issue mostly store credit cards for places like Victoria’s Secret, and issue a handful of co branded cards that are impossible to obtain unless you have a 750+ credit score. They will nickel and dime you in fees, move around your billing cycles, and do whatever it takes to show you that you are nothing but a number to them. I called to close my account and they said why? I said they are the worst credit card I have, they said fine its closed. Not even a thank you for your business. Ack!