D Reviews

Comenity bank consistently failed to acknowledge transaction disputes despite several submissions sent using their secure online messaging center

As of Jan 2022 I am still waiting to be refunded for items returned within the return window from sept 2021 DO NOT APPLY FOR CREDIT CARDS ISSUED THROUGH COMENITY they are hustlers Purchased some online items from New York and company I sent the items back two months ago After contacting them twice they cannot find the items so I contact Comenity to file a dispute for three transactions because while NY C didn t exactly say they cannot find them each time I ve called someone Carl was going to put m a request for the warehouse to check At this point they should refund me however because they did not I have disputed these transactions in writing with Comenity bank per their online guidelines Unfortunately anytime I contacted Comenity using the online portal to inquire about my disputes they ALWAYS indicated their was no dispute or they simply never acknowledged a dispute was submitted and would only respond to certain parts of the email or ask me to call despite their guidelines indicating disputes must be filed in writing As a result of them constantly replying in this manner I filed the same disputes MULTIPLE times via the online security messaging center After a couple weeks of the back and forth with Comenity I finally called to file the transaction disputes over the phone I spoke with a rep who indicated she was a Sr Acct manager and she would take and file the disputes over the phone on my behalf despite having already submitted the disputes multiple times online as required per their guidelines Oh I almost forgot prior to speaking with Vanessa the previous rep indicated she could see in the system that my disputes had been removed which is strange because no one else ever acknowledged there were disputes filed Anyway the Sr acct manager indicated that even though she filed my disputes there was no reference or confirmation to be given but rather I would receive a letter IN THE MAIL with all of my disputes details As of this review i have not been issued a temporary credit or confirmation items were disputed As far as I am concerned Comenity Bank and New York and Company are actively participating in theft from cardholders I am waiting for some evidence that the disputed transactions are actually being investigated by Comenity bank In parallel while I await for time to pass so I can call Comenity for stsisbonky to have Comenity bank once again fail to acknowledge my disputes I have cancelled ALL Comenity bank credit cards Victoria Secret s Ulta Wayfair Bed Bath Beyond because the mere thought of potentially dealing with Comenity bank ever again gives me nightmares on a ptsd level This is seriously causing me tonhave health issues I also cancelled my West Elm and Pottery Barn cards but I think they may no longer be with Comenity bank I will also file a complaint with my local attorney s general office as well as the consumer financial protection bureau Going forward I will not apply for any cards managed by Comenity bank and will discourage others whenever possible In an effort to avoid such unethical banks I will have to check reviews and other things before applying for any credit card again this alone give me anxiety What an awful predicament

Financial Losses and Collaboration Concerns My Struggles with Stripe and Comenity Bank

I would like to share my unfortunate experience with Stripe which has resulted in substantial financial losses exceeding 22 000 This ordeal has had a profound impact on both my personal life and the viability of my small business It is my belief that this situation has arisen through a questionable collaboration with Comenity Bank I am writing this review not only to document my own grievances but also to extend a call to action to others who may find themselves in a similar predicament My interaction with Stripe has regrettably proven to be detrimental as I have incurred significant financial hardships The losses I have suffered have far-reaching consequences both personally and in terms of my business s financial stability This experience has underscored the need for transparency and accountability in financial transactions particularly when they involve partnerships with financial institutions such as Comenity Bank I am of the firm conviction that I am not alone in facing these challenges To this end I invite individuals who have encountered similar issues with Stripe and Comenity Bank to reach out to me By collectively sharing our experiences and grievances we can initiate a concerted effort to address these concerns and seek appropriate redress It is essential to recognize that the more voices that come together to report instances of abuse the stronger our collective position becomes in advocating for fairness and accountability In conclusion my intention in sharing this review is to shed light on the challenges I have faced with Stripe and Comenity Bank as well as to serve as a catalyst for collective action I believe that by uniting in our efforts to bring these issues to light we can effect positive change and hold accountable those responsible for any unjust practices Your support and collaboration in this endeavor would be greatly appreciated

THE WORST CREDIT CARD COMPANY EVER

THE WORST CREDIT CARD COMPANY EVER DO NOT OPEN AN NFL CARD WITH THEM OR I GUARNATEE YOU WILL BE SORRY THEY CAN T EVEN PROVIDE A WORKING WEBSITE TO MAKE PAYMENTS BEEN OVER 2 MONTHS SINCE THEY BOUGHT OUT BARCLAYS AND THEY STILL DONT HAVE A WORKING WEBSITE

Comenity does not care about their good customers

I was financially affected due to covid19 and my accounts incurred late fees I was offered a 6 month hardship plan at 10 apr after 3 consecutive payments on the 5th month my account would be credited the late fees So I called to pay off my balance and they tell me they can only waive 1 late fee that I have to pay my monthly payments to get all late fees credit back to my account During this pandemic I was able to see which creditors really appreciate a good paying customer and Synchrony is the worst in working with their customers Will pay off all my accounts with Synchrony and close ALL and that s many accounts I have with them but I rather give my business to the other company s who s been More compassionate about this pandemic Synchrony will never get a penny more after my accounts are paid off

Accounts closed without notice

My spouse is military and we were stationed overseas for 3 years Due to inactivity the bank closed all three of my accounts- Victoria Secret ExpressNext and The Sterling Family of Jewelers all without any notice I have never been in default with any of these cards never had any late payments nothing I only found out my cards were closed when I went to the mall with my daughter after moving back to the states and I tried to use them They closed the accounts without notice or even an option for me to purchase something to keep them open They closed the accounts which hurts my credit score and if I reapply which is what they enthusiastically encouraged me to do it hurts my credit I will never apply for any of their credit cards again They should have this information stated somewhere that even though your account is in good standing and you have never done anything wrong for us to close your account if you don t utilize your credit card while you are stationed overseas because of military obligations your account will close without notice

Horrible customer service

Horrible customer service They have frozen my account several times without reason or notice It has been so embarassing being out in public with friends or for a work event and my casrd gets denied when it has thousands of dollars left in available balance No fraudulent activity No internation transaction No where near my limit Just paying for a lunch for clients and waiter waitress returns to tell you that the card is declined Several times this has happened Each time taking several days to address because each employee forwards the message to another and each time they have up to and they have uesed it every time 48o hours to respond So to answer one question like why is my account frozen it will take roughly 6 days When I confronted the company about this mishandling of their product I was thrown into a forwarding loop with each person forwarding me to another agent Most recently Ms S Ailiya gave me no information on the status of my account no information on when it would be unfrozen and no regard for her stress and embarassment that her company has caused I chose this card because my favorite casino has a credit rewards program through them But after all this I am canceling my card immediately and I pray that Caesars Rewards finds a better company to do business with cuz casinos are all about customer service and this company clearly has no interest in it s customers

Terrible bank do not use them if you don t want problems

I called and spoke to a representative who told me what the payoff on the Ulta card was I paid that amount the very same day What the rep didn t tell me was that there s this residual interest and I d owe 2 00 the following month for it I talked to their customer service person I told him I wanted to close the account Two months later it shows up on my credit report as unpaid The 2 00 had grown to 30 00 for late charges When I called the 2nd time I asked her why the first rep had not told me there would be another 2 00 the following month for their residual interest scam Of course she didn t know Typical answer in lousy companies

Thievery

Thievery I had a promotional balance on this card in addition to a revolving balance Prior to the expiration of the promo plan I paid off the balance but behind the scene the bank took part of my payment applied it to my revolving balance and told me that I in fact did not pay off the promo balance before it expired They proceeded to back-charge me all of the deferred interest DESPITE ME HAVING MADE A PAYMENT EQUAL TO THE PROMOTIONAL BALANCE I fought them on it over the phone I disputed the balance in writing through the mail and they dug their heels in refusing to do anything How they choose to breakdown payments on their end should be transparent and it s not

Unethical

I received an interest charge on my account with no existing balance Then because I obviously wasn t expecting a balance on that particular card a late fee and more interest was also applied to my account I called the customer service line and it literally hangs up on you right when it starts ringing every time for over a month now I left a message on my online account also and still no response This company seems very unethical It s not worth opening an account As soon as I can resolve this matter hopefully I will be closing the account indefinitely

Since AAA switched their affinity

Since AAA switched their affinity credit card to Comenity from Bank of America the service at every level has been terrible After having a AAA VISA for over 25 years I finally threw in the towel and canceled