Reviews

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

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  Comenity Capital Bank

  3095 Loyalty Cir., Building A Columbus, OH 43219-3673

  
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  Comenity Capital Bank

  PO Box 183003 Columbus, OH 43218-3003

  
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  Alliance Data

  PO Box 349 Milford, OH 45150-0349

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  Alliance Data

  PO Box 889 Milford, OH 45150-0889

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  Alliance Data

  PO Box 408 Milford, OH 45150-0408

Review Details

• Review fromMehrdad p

  Date: 07/03/2025

  1 star
  Charged Late Fees on a $0 Balance Predatory and Deceptive.I had a $0 balance on my Bread Cashback Amex and no new purchases, but Comenity still charged late fees on top of late fees for several months. I received a $212.93 credit in February 2025 and made follow-up payments. The mobile app showed a $0 balance, and I received no notices, yet they applied $30 late fees in ****** **** and June, plus finance charges.I only discovered this manually not via notification. When I contacted them, they refused to reverse any charges, citing policy. Their practices feel like a trap: charging fees on zero balances, with no transparency.Theyve already paid $53 million in refunds after an FDIC enforcement action for deceptive billing. Details here:?? *************************************************************************************** my opinion, *************** and Comenity operate unethically. I urge others to avoid them.

• Review fromSs W

  Date: 07/03/2025

  1 star
  ********** I've ever had to deal with. Highly recommend staying away. Worst policies and terrible website/app.

• Review fromTheresa C

  Date: 07/01/2025

  1 star
  Terrible customer service! I have never received the physical card, first of all. I made one purchase in a Sephora store and paid my statement in full, prior to the due date. The next month's bill showed no payment and they had charged me a late fee along with interest. The bill was paid through my online bill pay, through ******* bank. I have never had any issues with ******* and their bill pay platform. The first time I called the CC company, I was told they had a time period where they were having issues posting payments and to call back in a week to see if it had been resolved. I called today and the balance with the fees is still there. I closed the account and spoke with a representative. They were no help in explaining why my payment had not yet been posted. I asked to speak with a supervisor and she was also no help. I was able to start a dispute but it could take 60 to 90 days to get it resolved. This entire experience, from the application until now has been a lesson in frustration and a waste of a great deal of my time. I have filed a formal complaint with the Consumer Financial Protection Bureau. I will not be dealing with them again. I hope this saves someone else from having to deal with this company and their extremely poor customer service.

• Review fromAron G

  Date: 06/27/2025

  1 star
  Do not use this service!!! I had a $250 remaining balance left on my smile generation account. I have never missed a payment and always paid on time. Today is 06/27/25, My next Payment was not due until 07/17/25. I tried to pay off the full amount so the interest wouldn't hit before the next payment and was not allowed to do so. They notified me that even though payment was not due until 07/17/25 the no interest promotion ended on 06/20/25 and they charged me $669.68 in accrued interest at a 31% interest rate on what was a $250 remaining balance. I called to negotiate and explained that my payment wasn't due for another 3 weeks. They refused to make any changes. Do not use their service!!!

• Review fromNichole M

  Date: 06/26/2025

  1 star
  This company has trained the employees to take your money in late fees.
  If you call in to make your payment when it’s due then they hold on to your card information until you get the late fee, forget about speaking to a supervisor because they talk at you, then they don’t say anything like they put you on hold, then disconnect the call.
  This is the second time I’ve had this issue and they always blame it on something else, the supervisor said it was that I didn’t have the funds, I wouldn’t have called if I didn’t have the funds. Then they blamed it on the bank. Saying they declined it. I called the bank and they said it wasn’t even processed.
  Making a payment is horrible, they should fire everyone and go automated like most other businesses. Let them be replaced with a machine or AI at least it has better customer service.

• Review fromIsaac S

  Date: 06/24/2025

  1 star
  Hi, here's another bad review for bread financial or comenity bank i don't know witch one it is. First I have a playstation credit card from them and let me say that they have the worst customer service I every delt with. First issue I'm trouble logging in, certain times of they i can't login error code said oops we don't remember you. Called customer service they said to reset my pass word OK did that, even wrote password down so I won't forget ,signed in everythings ok five minutes later can't sign saying username and password don't match and this happens to often. Now when i call customer service ask for a supervisor I get hung up on, no calls returned, long wait time, which is ridiculous knowing you have unhappy customer guess they don't care. If you are wanting to get a playstation credit card beware.Second issue, same horrible service trying to find out about a digital gift card i purchase with my rewards points i thought digital meant maybe one day at the most 3 days but nobody knows anything about there giving me several numbers to call, no email confirmation luckily I screenshot my order # but by the way they can't even do anything with that. In the end a would advise anyone wanting to get a comenity bank or bread financial card ******* do it there horrible

• Review fromMark D

  Date: 06/22/2025

  1 star
  I don't recommend this company to anyone I always pay before the due date yet when I finally checked my bill I had late fees for every month. they treat on line and phone pay they same as mailed payments. with no grace ******* and customer service was very rude saying I should pay sooner then a day before the due date which shouldn't matter as long as its paid before the due date. 1 star and I cancelled my credit with them. I regret taking a chance with them. ****!

• Review fromAlicia M

  Date: 06/20/2025

  1 star
  ********** Ever!!! Don't give them a chance, high fees and bad customer service.

• Review fromKristine D

  Date: 06/18/2025

  1 star
  The worst customer service ever! Just cancelled All ********************** cards with Comenity. Just found no home offices, customer service is in ************, *********, ******, all out of country. Paying low rates for customer service asked to speak with manager was told by *** in ********* no supervisor At her location I said I would hold asked how long she thought it could take and she said could take all day on hold. Unacceptable.!!!!!!!

• Review fromKelly G

  Date: 06/14/2025

  1 star
  Worst customer service of any company *** ever experienced. ***********************. Will not enact my assure payment benefits that Ive been paying for and enrolled in and keep reporting negative rating to credit bureaus