Comenity Bank Complaints and Reviews SnapShot

Last Updated On: October 18, 2017

Comenity Bank Contact Information

Business Name: Alliance Data Systems Corporation
Corporate Address:
7500 Dallas Parkway
Plano, Texas 75024 USA

Customer Service

Comenity Bank Phone Number: 214-494-3000
Company Contact: Edward J Heffernan - President
Corp Website:

Comenity Bank Ratings

Average Rating: 1.12 out of 5
Based On: 161 Reviews
Number Of Comments: 254

Comenity Bank Reports

Reported Losses: $2,906,195.03
Average Reported Losses: $18,050.90

Most Recent Complaint

Is Comenity Bank a Scam, Rip Off, or Fraud? WARN OTHER CONSUMERS By Sharing

Category: Banks Directory ListingAlliance Data Systems Corporation Listing

Comenity Bank runs credit checks without your permission or request

I have three cards with comentity bank, I follow my credit report religiously!

They run credit reports when you do not ask them to. Thereby messing up your credit history and lowering your available credit without your request and or knowledge.

Which also messes up your credit report!

I am struggling with them to get these items fixed!

I am not behind on my payments at all, so there was no reason for them to do this on a simple whim!

15 Most Recent Reviews

More About Comenity Bank

Comenity LLC, Comenity Capital Bank, Comenity Bank, Comenity Operating Co., LLC, and Comenity Servicing LLC

Comenity Bank
3100 Easton Square Place
Columbus, OH 43219
Phone: 888-428-8810
Phone: 614-729-4000
Fax: 614-755-3175

Comenity LLC
3100 Easton Square Place
Columbus, OH 43219
Phone: 614-729-4000
Fax: 614-755-3175
John J. Coane CEO

Comenity Capital Bank
2795 E. Cottonwood Parkway, Suite 100
Salt Lake City, UT 84121

ADS Alliance Data Systems, Inc


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254 Comments on "Comenity Bank"

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My wife has a store credit card issued by Comenity Bank. She was hospitalized several times in our hometown and out of town since the winter. Of course bills piled up. I found bills to be paid that she had and attempted to pay them. The reps were antagonistic and refused to help. Sure, they took my payment with a blink of an eye. Late fees piled up, too. One would think that when verified (if asked to do so), out of understanding and courtesy, these robotic customer “dis-service” reps in Kansas, AND their STUPIDvisors would be more than willing… Read more »
Elizbeth Moore-Nichter

I filed a dispute on a charge where the vendor told me that they would not deny. that has been over a month ago and Commentiy has issued a provisional credit however will not refund as of yet. They are dragging their feets and I need this money as it is over $3K….No one can give me an answer. Ready to contact CEO Ed Hefferman.

I provided Commentiy with the email from the vendor asking that I dispute the charge so it could be refunded to me as services were not provided as per contract.

I have tried to pay my account on line to no avail. this is the most frustrating situation I have ever had

I have the ann taylor credit card. Supposedly they received my payment 1 day late and charged me a 34.00 late fee and an additional 1.45 in interest, when I called to discuss this, I got a rep on the phone who said they would remove the charge and also sent me a gift card to apologize for the inconvenience. The next month the charge was not removed and more interest was applied. I spoke with a supervisor who said the rep had no authority to do this and there were no notes, but there was a note on the… Read more »

Due to some unforeseen auto expenses I had to pay my Comenity related Ann Taylor bill a few days late. They don’t leave messages but call you incessantly nearly 20 times a day. Even after I spoke to them and arranged payment for two days later they continued to call. Bastards and hateful service.

I have 2 complaints with them… My first is that they wanted to make my payments WITH interest for 2 months before I even got my dental work done! My 2nd is that I make a very early payment as I needed to know what my bank account balance was. They would NOT accept and early payment and now want a double payment as well as a late fee!! BS!! So, instead of being glad that I am made my payment, they said I paid too early and want a double payment and late fees this month! UNBELIEVABLE!!
Just adding to the complaints. I have suffered the same complaints. Such as the credit monitoring, and the increases I didn’t apply for. So yes like 80% of us I don’t read the fine CC print except for the APR related stuff. My payment is due the 17th. I send it via my online bill pay…they charge the same day if my payment has not been made. My fault. I did not read the fine print but clearly my monthly payment history shows I make a payment the 17th through the 19th every month! What kind of hubris greed causes… Read more »

Refund check stopped.

They stopped payment on a $2008.00 refund check.

Comenity stopped me from using the BJs MasterCard. I just pay off the majority which is principal. Spoke to someone trying to lower the payoff amount and pay and close the account. If I were 5 months behind, Comenity could offer me a lower rate and no interest paid. Wait, I want to PAY OFF the balance but want to lower the pay off amount since the bulk is interest. Since I am not late no can do. So what Comenity is telling me is that they’d reduce my balance If I were delinquent but not if I wanted to… Read more »

I never applied for anything with this company however they are on my credit report as a hard inquiry I want this removed!


April 2017 – Filed for approval of small loan for dental work of approximately $1800 … payment plan offered by dentist… interest free if paid off within 12 months … was DECLINED by Comenity stating “susceptible of ID Fraud” … what a CROCK … I am debt free and pay ALL my bills on time … You’re living in a BUBBLE Comenity Bank!!! … Hopefully EVERYONE sees your organization for what it IS … a FARCE and a DISGRACE to the banking and credit system … NEVER, NEVER USE COMENITY BANK FOR YOUR BANKING NEEDS !!! This is the best… Read more »
I never received a Boscov’s bill last month, but when the bill came today attached to my $28.52 bill was a $26.00 late fee. That’s almost 100% in fees. I called and was told that since I have a late fee last June for the same reqason, they could not remove the fee…only one can be forgiven in 18 months. They blamed my mail and said I should speak yo my postmaster, and said I should have used their electronic billing. I have a cfredit score of 850 so I obviouly pay my bills on time when they come. I… Read more »

I paid my bill twice and the Comenity rejected my payments twice. I have the Williams Sonoma affiliated card.The bank dinged my credit score. I sent via registered mail my bank statements proving Comenity was at fault. They claim they did not get the materials and closed my case. I have never encountered a more inept and dishonest company. Williams Sonoma is now going to lose my business. I usually spend $3,000 per year with WS. How did a once quality company like WS ever associate with these morons.

i never got the card. i opened the card in victoria secret. they constantly call me in the morning 4am -7am. i think they r very disgusting. i did not open the card. they charge me 130 dollas. i said okay. but i did not open the card can i delete my account? they said can u pay ur payment? you cant even disguss with them! so protect ur ssn and never open an account in commendity bank!

Last year my 70 year old mom catalog order 70dollars and it’s ,200.00 she never received the items .


Your agent lied to me and never tried to follow up

I forgot to make my payment on time due my son being involved in a car accident, I do not answer anonymous calls or calls whose phone number I don’t recognize. They called my phone FOURTEEN times today. My understanding is that this is illegal. They finally texted me and then I figured out who was calling me all day. They never left a message. Once I get this bill paid up I will cancel these accounts. I will not do business with dishonest mean people. I don’t need anything that badly.

I feel the same way you do. I had a credit score of over 780 and I missed one payment due to an honest accident that I thought my bill had already been paid and they would call my cell phone with an automated person and I had no clue who this bank was because I never looked at my Women’s within card to see what bank it went through so I just thought it was a junk call. I couldn’t understand the robot so I would just hang up. In the meantime I got a email from Credit Karma… Read more »
Harry (since you insist) Johnson
Here is a letter asking me about my recent phone call. They asked me to take a survey and to click on the link. I clicked on the link and nothing happens. Long story short, I was calling to ask where to send a payment if your card is stolen and the new card has not arrived (so I have no credit card number) They told me to pay it at the store. The store would not take my payment and gave me a # to call. I called the number and they told me to send it the usual… Read more »

I just received a debit out of my checking account from Ceominity Bank. 8 charges to be exact. I DO NOT HAVE an account with this bank. They are debiting my checking account, not sure how they got my checking accounti number but they are using it.

Similar story. I mailed my first payment 8 days before it was due, and got a late charge. Before I noticed the late charge, I called to make a payment and was told it cost $9 to use the phone system. I look more closely at my bill and find a $27 late charge. (The total was $52.11, not a huge bill) and become furious. I cut up my card, mailed a check for the charges made and they are STILL HARASSING ME. Worst ever CC.

Since August 2016, they have been unble to adjust the billing date and charged my daughter late fees. She has autism. Just a way to steal from the disabled. Stay away from this bank and the accounts they manage,

First, let me say this complaint is not about the money. The amount in question is less than $100 – it’s about the situation. Here is my story November, 2016 – received a bill for around $70 for purchases I made at an Ann Taylor store – I (within a day or two) logged into the account to pay the bill since this is the ONLY credit card we have that does NOT have autopay. We pay all of the other credit cards off in full through autopay. I submitted a payment for the full balance. January, 2016 (1st week)… Read more »

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