Comenity Reviews: 26,743 User Ratings (2025)

1 Star Rating

They are horrible; I still have to deal with them even after I closed my account because they keep applying a substantial late fee on a zero balance. Their website is not user-friendly, and neither is their customer service; they just repetitively recite policy. Do not engage with the Comenity dance; the 20% is not worth the headaches.

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1 Star Rating

The bank is inaccurate and does not perform their job properly. I set up auto-payment from the first month and was charged automatically, but the second month it was cut off without reason, only to charge me an extra fee and lower my credit score. This is the worst bank ever. I don't recommend

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1 Star Rating

Horrible bank; I just realized there are high fees. Do not bank with this scam institution. They will take all of your money and will not work with you. I do not owe a balance; I am only paying fees from a missed payment by one day. It was a horrible mistake to bank here.

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1 Star Rating

Owed a small balance of $7 for an item that was never received. The Torrid credit card charged me a $30 late fee for not paying the amount that was disputed, even after I called them to inform them that I was paying my balance minus the $7. The lady transferred me to escalation, which said I should have paid the $7. I then asked to speak with her supervisor, and she hung up on me. I'm not sure how they do not comprehend that a customer should not pay for something they never received, especially if I was pending credit which was, unfortunately, received after the due date. They can clearly see Torrid issued the credit for the exact amount. I will report them to the FCC and BBB for bad, unethical practices. I spoke to three people prior to my due date, and no one offered to dispute the amount after I informed them of the scenario, only after the fact. Unprofessional!

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1 Star Rating

Horrible customer service! Good luck if you ever need to file a dispute on a charge or purchase. I tried, and it went on for months, and they did absolutely nothing. I called to cancel my card and they just said okay and never asked for a reason. It was a Caesars Rewards credit card with a decent credit limit, but I don't even play at Caesars anymore because of this.

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1 Star Rating

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1 Star Rating

By far the worst credit card ever. Rewards are terrible, platinum status at Caesars is a joke; you get better deals on Priceline. Literally, all I have gotten from them is a $5 off coupon for the Eiffel Tower. Spend $30k, get $300 in Caesars dining credit, or $150 cash back on gaming. So, your real rewards are 0.5 points for every dollar. And what is really important at Caesars are tier credits, but you cannot earn those anymore since Caesars got bought out. This thing is worthless; you're better off using a debit or prepaid card. Even their statements and website are terrible.

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1 Star Rating

Horrible. It was very hard to find a way to pay other than automatic payments. I finally found a phone number, but no one answered. A few days later, I was able to speak with someone, but they were not well-trained and were unprofessional. This wrecked my credit score- because of their incompetence.

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1 Star Rating

I was a loyal customer of Talbot's for over 30 years. I didn't pay much attention to the interest rate when Talbot's started using Comenity Bank for their store credit card because I always paid off the card in full soon after I purchased items. The rewards and perks of using their card are great - free shipping, discounts, etc. However, I noticed they were charging small "interest fees" the month after I paid off the card. This is Comenity's policy. Then I received an email this year (2024) that they were increasing their interest rate to 35.9% on unpaid balances. I vaguely recall usury laws going into effect many years ago that limited the amount of interest, but apparently, that only applies to loans and there is no limit to what a bank can charge on their credit cards. I think this high of a rate is absolutely unethical and canceled my card immediately. I cannot support a business that misleads its customers like this. I have three issues with Talbots and Comenity: 1) the "junk fee" added the month after your card is paid in full, 2) the exorbitant interest rate, and 3) the delay in posting credits when a purchase is returned. It can take weeks after an email confirming Talbot's received the item before the credit is posted to your card -- I suspect this is planned so they can charge you interest. I will no longer do business with Talbot's until and unless they choose an ethical company to handle their credit cards.

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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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