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Scam Credit Card company that hits you with illegitimate charges

Hello On 5 28 2022 I opened a Comenity Sephora Credit Card I made a charge in October 2022 and paid it off in full in December and closed my account for good measure This company has constantly hit me with delinquent payments and tanked my credit score by 100 points 1 19 2023 - 105 00 delinquent payment 2 16 2023 - 148 00 delinquent payment Despite me calling them multiple times and asking them why I have these charges they told me specifically that my account was closed My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind It s absolutely ridiculous

Be very cautious when doing business

Be very cautious when doing business with MIDAS I had multiple issues with my vehicle s engine and went through a few different repairs covered by warranty and some not covered I applied for a Midas credit card through Comenity bank and assumed it was a normal credit card Little did I know there was a promotional period and when it expired I was charged the full APR on the current balance at the end of each pay period incurring exorbitant fees which were not disclosed to me via notifications and only appeared on credit statements I only found out because my credit score went down despite not missing a payment for several months then finding out that these charges were billed to my balance and that was the cause of my credit balance decreasing I closed my account on 10 26 2023 and paid the full balance due but they left a balance of 1 on the account and then have charged me 25 52 for the new billing cycle after assuring me the account had been closed Be very careful doing business with MIDAS as their partner COMENITY bank engages in these predatory shady and harmful practices and please let your loved ones know to READ the fine print so they do not meet the same fate I have suffered This review would be zero stars if possible

Brutal Customer Phone Service Torture

Brutal Just absolutely brutal hold times Script readers from abroad who talk over you reading from a script Zero comprehension of nuanced problems along with sub par understanding of English My specific problem with the Bjs World Mastercard remains unresolved I have no reason to believe that this card issue I have will ever be resolved It will now just go to the back of my desk drawer forever

I has three accounts with them

I had three accounts with them Never missed a payment or even a late payment Paid my accounts off every month They first lowered my Ulta limit to 10 I closed the account since 10 wouldn t make a different in my ratio amount Then they raised my Sephora limit and then closed my account I had an old account with Torrid they closed that No explanation Just as well since now I see they are crooks anyway Horrible business I hope they are going out of business

Comenity Bank has the worst customer

Comenity Bank has the worst customer service of any business I have ever dealt with in my life They are a sham A fraud They deliberately hang up on customers The worst credit card experience in my life by far Furthermore I will never use Mastercard again due to their affiliation with Comenity

The worst online customer service Its

The worst online customer service Its obvious that they don t actually read emails based on the cookie cutter answers I think I wrote about 8 emails and received the same no sense response I even asked them in my last email Does anyone actually read the emails I even explained I don t want the same answer and still as of today I got another identical message as I did last time Wondering if it s AI picking up keywords and has a few answers to choose from Ridiculous

I will NEVER do business with this

I will NEVER do business with this credit card company Comenity Bank again You get credit with them and all they do is CLOSE your credit cards if you don t use them within a month What a joke It s unbelievable and should be illegal for them to do this All this does is damage your credit due to closing your credit cards Good riddance

Never opened an account associated with

Never opened an account associated with Comenity Bank Horrible company They sabotage customers if you do not spend money on the credit cards I had a zero balance on my Venus without notice they closed the account At say something as a courtesy to your customers

Trash company and common day thieves

Trash company and common day thieves Customer service was not any help whatsoever ever Could hardly understand them They sneak in so many hidden fees and insanely high interest you are legit better off applying for a normal credit card with capital one and using it for dental work I will always urge people to stay away from a nasty company that is only out to gouge their customers It s quite sickening honestly

Commenity bank are thieves

Do not do business with this bank They are definitely thieves I actually closed every account I had with them I had a credit card with Wayfair and then community Bank took over I have never ever missed a payment or sent it late and at the time of the change to Commenity I owed just over 300 I have not made any purchases when the change was made to community Bank and now I apparently owe over 900 I did contact them to find out what was going on and one of the operators told me that due to covid they did not have this there they needed and their mailroom was way behind and processing payments When all the problems happened with the post office that was causing severe delays I believe Commenity bank took full advantage of this to collect late fees I usually pay all of my bills on the same exact date and the only one that I got charged a late fee was commenity bank and that went on for several months I have zero control over the issues that were going on with the post office Everybody in the world knew of the problems with the post office and the extreme delays It is extremely upsetting that I actually overpaid these thieves and now I have a court date that they want to assume a for almost 900 Luckily I saved every receipt and documented everything I was harassed by telephone for months on end I am not sure but I did hear that Commenity bank changed their name which I will look into further because I do not want to be associated with them at all Lisa Orr