Comenity Reviews: 26,732 User Ratings (2024)

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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1 Star Rating

Initially, I thought I would need ALPHAEON credit. Fortunately, I was able to pay the whole owed amount. Yet, I was charged $30 after making the payment for late payment fees. ALPHAEON Credit stated I should've made the first payment 2 days before I paid the whole amount. I told ALPHAEON, 1) I was not alerted to the payment due, 2) I couldn't pay as the vendor only disbursed the product the day I made the payment, 3) When I paid the total amount, their representative never mentioned the late fees. ALPHAEON disclosed my late fees days after my payment. I found ALPHAEON's practice dishonest and deceptive. A supervisor threatened me to "ruin" my credit if I didn't pay the late fees, which left me in disbelief upon hearing this. ALPHAEON acted unscrupulously and ruthlessly. I will never use this system again and I want to prevent others from using it in their best interest.

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1 Star Rating

I have paid on the date my payment is due each month, yet I'm getting hit with $41 late fees for not paying by "5 pm" on the due date. Loft/Comenity, are you aware that midnight is when the date changes? You are reinventing the wheel so you can unfairly charge your members with late fees. This is an unfair practice, considering most people work until 5 pm and are not focused on your stringent rules during their workday. You are setting people, who are already struggling, up for failure. Your customer service is also subpar. Upon complaining via phone, your representative clearly hung up during our conversation. I recommend not doing business with Comenity or The Loft if they continue to support these practices. Terrible!

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