Reviews

This profile includes reviews for Comenity Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Comenity Bank has 121 locations, listed below.

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  Comenity Bank

  3095 Loyalty Cir Bldg A Columbus, OH 43219-3673

  
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  Ashley Stewart Credit Card

  P O Box 650018 Dallas, TX 75265

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  Comenity Bank

  PO Box 659705 San Antonio, TX 78265-9705

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  Comenity Bank

  12921 South Vista Station Blvd Draper, UT 84020

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  Goodys

  8221 US Highway 51 N Millington, TN 38053-1707

Review Details

• Review fromCandice F

  Date: 03/18/2025

  1 star
  This has been the worst company I’ve ever had to deal with. I opened an account at the end of November and waited for my card to arrive in the mail. A month passed, and my payment was due, but I still hadn’t received my card. As a result, I couldn’t create an account to make a payment, and the quick payment option wasn’t working. When I called customer service, I was told I had to wait until I received my card to make a payment.
  Another month went by with no card, so I called again. This time, they allowed me to make a payment over the phone and set up autopay. I also asked for them to remove the late fees and update my account to reflect that I’d paid on time. They agreed. I thought everything was resolved.
  When I finally received my card, I tried to activate it, only to be told it couldn’t be activated due to missed payments. I was then informed that I’d need to make three on-time payments before the card could be reinstated. Frustrated, I confirmed that autopay was set up and waited. To my surprise, I was later notified by my credit report of a late payment in March. I tried to access my account again, and this time, it allowed me in. The autopay seemed to be on, but I still noticed that the late fees weren’t removed as promised.
  I feel completely misled! The customer service is incredibly difficult to understand due to language barriers, and after being lied to multiple times, I don’t know what else to do. At this point, I plan to pay off the card and close the account. It’s not worth the risk of this company damaging my credit. I strongly advise anyone to avoid opening an account with them!

• Review fromDevin H

  Date: 03/14/2025

  1 star
  This Bank is Trash!!!! They Close peoples accounts without warnings and Lower People Credit Limit when using less than 30 percent of the credit!!! This Bank should Never be considered for any accounts!!!

• Review fromFaith C

  Date: 03/13/2025

  1 star
  Not sure how this company has an A+ rating!!! I called to dispute a fee that I was assessed and had the worst experience with their call center. The first Representative was rude. When I asked to speak with a Supervisor or Manager, he transferred me to another Representative. This went on with three more Representatives until the last one disconnected my call. I ultimately closed my account due to the ****************** of **************** that I received.

• Review fromDaniel G

  Date: 03/13/2025

  1 star
  Do not open account with this bank. They have hidden fees and inaccurate statements.

• Review fromJessica P

  Date: 03/11/2025

  1 star
  By far the worst bank. Recieved a late fee after I made a payment before the due date- but since it wasn't the minimum I got the late fee AND an interest fee. The statement balance was 40cents!!! I called and spoke to a supervisor. She said nothing can be done! I have an over 800 credit, multiple checkings and savings and this is by far the most tragic bank I've ever dealt with. Will NEVER use any store card associated with this bank again.

• Review fromMiranda B

  Date: 03/11/2025

  1 star
  Was told when I close my account that the interest would not keep occurring and I could pay off my balance well now I have $700 of interest and they called and asked if I had a lawyer like what! DO NOT USE!!!!

• Review fromCheryl W

  Date: 03/10/2025

  1 star
  Scammers did not send me first month statement, would not speak English on the phone to where I can understand them, Did not initially offer any kind of courtesy, credit, Now they expect me to pay $110 of all their stupid late fees because they didnt post my $18 paid in full check. I dont think so. They have poor business practices, poor customer service, and they need training for their customer service representatives. This reporting Avenue must be corrupt as well because they do not deserve an A+. If you look at all the reviews many or one ortwo stars never five stars. That means they deserve a D or F

• Review fromRobert C

  Date: 03/07/2025

  1 star
  Due to the multiple violations of federal ****************** we had to file a complaint with multiple government agencies. They all pointed us to the ************************************. We detailed 14 violations of federal ****************** that Comenity ************ made during multiple disputes as well as detailing how they have not proven the fraudulent charges are valid.Comenity ************ lied to the United States government in their response. Comenity ************ employee ****** **** basically stated they investigated themselves and found that they didn't violate federal ****************** 14 times yet she didn't address any of the violations we detailed with dates and names of employees that admitted the violations.****** **** stated that the ***** *** of ************, the dentist who submitted $13,200 in fraudulent charges, "advised" Comenity ************ that they had in fact done work exceeding the amount they received. ****** **** offered no proof as required by federal law under the ***************** Z but because they were "advised" the charges were not fraudulent that was proof enough. ****** **** stated that they were providing Monetary Relief by refunding the illegal late fees and finance charges that they fraudulently put on our account during multiple dispute investigations that they broke federal ****************** by adding to our account.****** **** stated that in the "interest of customer service" they submitted a request for the credit reporting agencies to remove the delinquency from the consumers account that was illegally added. Comenity ************ violated federal ****************** by reporting the consumer as "past due" during a dispute investigation so this was not done in the interest of customer service at all. It was done to reverse illegal activity and Comenity ************ needs to be held accountable for there actions.We stress that no one should even think about applying for a credit card with this company.

• Review fromJessica B

  Date: 03/07/2025

  1 star
  Comenity Bank has been charging me interest on my Maurice’s card even when I pay my balance in full and early. Their customer service was quick to remove the interest the second I mentioned it like they are well aware of this issue; however, they stated that they can only remove up to $10 at a time. If they need to remove more they will need to send me to a supervisor. It is bad on me for not checking my statements and just trusting the company to not charge me interest illegally but, this is absolutely unacceptable that a huge corporation is preying on their customers and hoping many don’t notice or check. How much money have they made off of people who have just been trusting them and not checking their statements? Millions I’m sure.

• Review fromSammantha L

  Date: 03/06/2025

  1 star
  Do not recommend getting a card from any store that uses this bank! If you make a "large" payment on your account, they lock your account for 10 days. But they do not tell you this up front or when you make the "large" payment. And "large" has quotations because they consider a $197 payment as LARGE! I just wanted to pay my card fully off so it would reflect a zero balance! Tried to use the card because I forgot my debit card in my car and my card was declined due to them locking my account because of the payment I made. When I called to see why it declined that is when I was told about the 10 day hold on my account due to making a "large" payment. They have no way to override the hold or allow you a one time purchase on the card during the 10 day period.