About Comenity Avis 315

DO NOT open a credit card with this bank. I went to Ulta and got 20% off my purchase. If I opened a credit card with this company paid my bill the day arrived. However, the company waited until the day after the bill was due to deposit my check and then attempted to charge me a $33.50 late fee. I disputed and they took it down to six dollars because I threatened to chop up my credit card which I did anyway I am discovering this is a huge issue with many people – – the late fee on a zero balance credit card card. BEWARE

I had a terrible experience with Comenity Bank, and I would not recommend them to anyone. Their practices feel completely misleading and borderline fraudulent.

I noticed unauthorized charges on my account, and when I contacted customer service, they were unhelpful and dismissive. Instead of resolving the issue, they kept transferring me between departments with no clear answers. It felt like they were intentionally avoiding taking responsibility. I setup a payment plan with them and the customer service lady told me my account will be cleared on March 2025. After 6 months I received a bill that I owed $199. I called them and they told me it’s a late fee because my remaining balance was $2.49 and I didn’t pay. March 10th I paid my statement balance in full and now today I checked my account it is showing late fee of $42. They are big fraud and keep charging you.

Their billing system is confusing, and fees seem to appear out of nowhere. Even after making payments on time, I was hit with unexpected charges that were never properly explained.

What’s most frustrating is the lack of transparency and accountability. A bank should provide security and trust, but my experience with Comenity has been the opposite. I strongly advise others to think twice before opening an account with them.

Borderline illegal, plus customer service tell you I made mistake so it is my fault , in the mean time they try to trick you I am really suggest to be careful getting credit card from this bank

If I could give them a zero I would. They closed my account without my knowledge as soon as I paid it off. They were no longer receiving interest from me so bang they decided to close my account. This not only hurts me financially but really screws you on credit scoring. I have filed a complaint with more than one agency about them!

This company is the worst. Their fraud system is so conservative they reject your card on any purchase. LOWES!!! I have had to get my card re-opened almost 20 times in 2026 alone because they keep declining it on every attempted purchase. $16.00 at my company cafeteria. Clearly these idiots don't really want to be in the banking business.

Customer Service can't change email. Someone used my email to set up their account and customer service can't remove MY email from THEIR account.

Predatory business practice. Ridiculous interest rates. Danger! They get away with robbing people and it is insane!! Beware!! I will never use the Kay Jewelers credit card again.

**Rewritten Version**

I regret to say that my experience with the **Ulta** credit card issued by **Comenity Bank** has been extremely disappointing.

I maintained this account for several years and had never been late on a payment. On January 30, 2026, I mailed a payment to reduce my account balance, as I routinely do every few years. By February 18, 2026, I was informed that the payment had not been received and that the account was considered late. I contacted Comenity Bank and advised their representative that I would place a stop payment on the original check and issue a replacement payment, as it appeared the original payment had been lost. The representative agreed this was the appropriate course of action.

Despite this conversation, my account was not properly noted, and I was not provided with accurate guidance regarding the stop payment process. On February 27, 2026, the original check was returned due to the stop payment, a fee was assessed, and my account was subsequently closed. On March 9, 2026, Comenity Bank posted the replacement payment. Given standard mail and payment processing timelines, it is concerning that the replacement payment took nearly three weeks to be received and applied.

Based on my professional background of over 21 years working in banking, I am troubled by how this situation was handled, including payment processing delays, the lack of clear communication, and the manner in which the account was closed. Additionally, my interactions with customer service representatives were consistently unprofessional and unhelpful.

As a result of this experience, I would caution consumers to carefully consider the risks associated with store credit cards serviced by Comenity Bank, as issues such as unnecessary fees, poor customer service, and inadequate account handling may occur.
They also were going to keep my over the hundred dollars credit and not me the check. Let's see how long it takes them to do that. I will be seeking a lawyer.

this is a criminal shylock bank 35 % interest hidden criminal fraud 249 dollar yearly fees when you call to remedy the fraud they accuse you of disrespecting them, laugh at you, 14 days now over 100 calls letters complaints at bbb and consumers affairs if you want a good life stay away from these criminals they are way worse than the mafia again stay away from them as far as you can you'll thank me later.

Very bad experience with this bank i have excellent credit score but this bank the charges late charges even you pay before due, the customer service are rude they call me for their own mistake. Never again this bank!!

Do yourself a favor; don’t open a credit card account with a company that uses Comenity as the financial institution. I received a notice last year that my annual interest rate was going from 32% to 39.99% annual interest rate. I closed my account so I could keep the interest rate at 32% (which was bad enough). I continue to make timely payments. To add insult to injury; I was just dinged by one of the credit card agencies for closing my account voluntarily. I guess it concerned the credit reporting agency.

I worked at Banter and had a comenity card since working there (2021-2025). I had never had any issues, until 2026. I had made a purchase at Zales, and kept getting charged "late fees." Payments were made on time and I always checked online just to make sure. The lady i spoke to today was rude and didn't understand my concerns. She finally understood after I explained why I was upset 5 times! I still work in customer service and would never act like that. She definitely didn't want to help. Seemed like I was just bothering her. Definitely not dealing with "Banter" or comenity again.

Rewards program for Ross Mastercard is just pure scam, can’t use it in store, it’s always “invalid rewards number”. They will advise you to call number on back of card, then associate will say no way to access rewards, will try to pass you to another number. So this thing is just a game of passing the bucket until you give up. Pure baloney!

Very unprofessional customer service, long wait times, difficult to understand the accent.
Never got a statement to pay, then unexpected interest charges on account and ridiculous late fees.
I took the card in Academy of Sports for a $20 purchase, ended up paying $200! Never going to Academy of Sports again! And this bank is like dealing with devil!

The service so bad! I don’t use card and I call cancel . The comenity charge me fee and fee later $73.32. That's ridiculous. The last time I call cancel . They haven’t done it.
I feel so bad . I don’t like by Victoria’s Secret. I never use .
I hope Victoria’s Secret contacts with the Comenity about balance.

I have an Ikea credit card through this company. I had a $1200-0% 12 month promotional plan and a $2700-0% 24 month promotional plan. I was making more than the minimal payment due to make sure the 12 month plan was paid off in time. But their system (nothing stated on the statements) splits the payment to pay towards both promo plans. So after 10 months of $1800 payments, I still had a balance of $590 on the 12 month promo plan. They stated you have to call every month and have a representative allocate the additional payments to the specific promo plan. After an hour on the phone, nothing was solved. I will be closing this account.

I wish I could give them negative 1,000 stars. Horrible service—'terrible' is the only word for it. Run away and never get involved with them. They charge nonsense interest and try to trick you with hidden terms.

Do not get a Lands' End credit card. You will regret it! They reduced my credit line over 80 % overnight and caused my credit score to drop significantly! Commenity Bank sucks! 0 stars!!!

Worst credit card company ever. I have $3500 minus 18 in open credit. Could not even make a 12 dollar purchase. Not text alert or call. I had to call and deal with them not knowing why and they gave me the run around when I asked to payoff and close the account.

This is the absolute worst financial institution I have ever done business with. The customer service is horrible. They have fees you are not aware of. They back date interest. DO NOT take out credit with this lender. The worst experience I’ve ever had with a bank.