Comenity has been helping people get more for their money since they introduced their first credit card in 1986. Today, Comenity Bank and Comenity Capital Bank partner with some of the world?s most recognized merchants, providing more than 145 branded credit programs, including private label, co-brand and commercial credit cards. At Bread Financial, they?re... show more
Comenity Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/27/2026.
3.6
27,593 reviews
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27,593 reviews from WalletHub and across the web
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Comenity
Rosita Chatonda @rcchatonda
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1 Star Rating
I will have to resolve this matter in court, which is truly unfortunate.
This account was opened without my authorization. I became aware of this third account in April 2025 (see attached email). When I received a call from Comenity Bank, I believed I was making a payment toward either my Roaman’s or Woman Within account.
Once I discovered the issue, I made efforts to resolve it. I attempted to work with Comenity Bank after learning that they had reported the account as late seven times to the credit bureaus. I even offered to pay for the merchandise I received, under the assumption that it had been charged to one of my existing accounts.
However, it appears that instead of resolving the issue, their actions have significantly damaged my credit. This has caused serious consequences, including being denied a mortgage loan. I have no delinquent accounts other than this one, and I have consistently paid my other two accounts with Comenity Bank on time for years.
Their handling of this matter has been harmful and unfair, and I believe it constitutes misconduct and exploitation of customers.
Consumers should be aware that having multiple accounts with Comenity Bank may lead to confusion and potential issues, as I experienced being led into opening multiple accounts unintentionally.
This situation has resulted in substantial harm to my credit over a relatively small amount. I already make regular monthly payments on my other accounts, yet this matter has negatively impacted my financial standing.
I consider this to be fraud and, given the circumstances, potentially elder abuse. I intend to report this matter to the appropriate authorities, including the Department of Aging.
Revised Demand Letter
Date: March 20, 2025 Via Certified Mail
RE: Notice of Lawsuit and Opportunity to Settle – Fraudulent Account Reporting
To Whom It May Concern:
I am writing to formally notify you that I have filed a lawsuit against Comenity Bank and FullBeauty Brands, Inc. in the Circuit Court of Cook County, Illinois regarding the reporting of a fraudulent account on my credit file.
Despite multiple written disputes submitted to both your companies and the credit reporting agencies, you have failed to conduct a reasonable investigation or remove inaccurate information, in violation of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
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Product: Comenity Credit Cards
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Comenity
barbaravoigtriggs @barbaravoigtriggs
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1 Star Rating
Horrible company and service. After 2 payments, they charged the entire balance and couldn’t reverse it without me doing all the work. Have to get special approval which requires me getting a letter from the banking their letterhead proving the amount was deducted. Really? They have my money and I have to prove it??? I thought a y month bridge was a great idea and helped pay for a surgery without interest. Well it’s a heck of a lot easier to just go somewhere else or borrow from a friend. Worthless company don’t do business with them!!I’m
I am totally disgusted with this card. Two months ago, my payment was 8 minutes past the deadline date and I was charged $40 late fee. My payment date is the 4th of the month. On April 2 I called to make a payment and was told a payment wasn't due. I was quite surprised but thought I must have made a mistake. Today I received my bill and was charged a $40 late fee for not making a payment on April 4. I have excellent credit...I have 3 other cards with payments always made on time. I am stopping this card.
I am very disappointed in my credit card. I changed my email address so didn’t receive my statement, even though the clerk at the store said she changed it in the system. Now there is a late fee plus interest on my account. If you had gotten my statement to me, it would have been paid on time and in full as I have done with you for many years. I paid it on line today and closed my account. I have another account through your bank that I will probably be cancelling as well. Community needs to work on their customer service. Everyone I know that has one is complaining about the customer service.
My experience is Comenity's payment processing is inconsistent. I have had several experiences where they held off processing payments for large balances until one day after the payment due date to collect late fees. I pay and mail at the post office the bill the business day it comes in. I just cancelled a card they were the processing bank AA Signature Visa. I had a AAA Visa 20 years prior to them taking over the card with never a late payment. In the past dealing with customer service was a nightmare. For my last payment I sent an ACH transfer to avoid any late fee.
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Product: Comenity Credit Cards
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Comenity
cpd8271 @cpd8271
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1 Star Rating
I applied for a Comenity bank credit card. I got a denial letter based on the wrong social security number either being entered or lost in the application process. I contacted them to resolve this issue and hopefully move forward with the credit card application process to no avail. I was told by equifax that they should not be able to post a hard inquiry to my credit without having the correct social security number. I've been hung up on three times from Comenity bank. They refuse to do you anything as far as correcting my number and moving forward with an application process or removing the hard inquiry on my credit even though they were able to access my credit with no accurate social security number. I will never do business with them.
WARNING: Read before signing up for Alphaeon/Comenity Bank promotional plans and cards. I enrolled in two "deferred interest" promotional plans thinking they worked like separate installments — one payment per plan, clearly divided. That is NOT how it works. The bank splits your payment between plans however they choose, with no option to direct funds to the plan expiring soonest. By the time I realized this, my oldest plan had accumulated a significant amount of hidden interest — despite me paying more than the minimum every single month. To make matters worse: — There is no option online to direct payments to a specific plan. — When I called to request this, the representative (after a 20-minute call) said he "didn't understand" what I was asking. — The bank has a well-documented history of canceling automatic payments without notice, then charging late fees. The fine print does disclose their payment allocation method, but it is buried and written in a way that most people will not understand until it is too late. I was lucky enough to catch this in time and financially organized enough to manage the situation. But after reading other reviews, I can see that many people are already struggling financially — and this bank will only make it worse. If you are going through a hard time, the last thing you need is a bank working against you. If you are considering this card, go in with eyes open: always calculate exactly how much you need to pay each month per plan to avoid deferred interest, and never assume your extra payments are protecting you from expiring plans. They are not. Don't fall for it!!!
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Product: Comenity Credit Cards
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Comenity
Karl Dobson @KarlDobs
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1 Star Rating
Run Away from AAA (Credit Card) - As a 25+ year AAA roadside assistance cardholder, I thought I’d try their 5% cash-back Visa credit card. BIG MISTAKE.
Pros: • 5% back on fuel purchases - BUT it’s limited to $500 cash back, annually. Meaning you can only ever gain $500 in cash back in a single year.
• It’s a Visa credit card: accepted by most merchants.
Cons: • Low cap of $500 in cash back per year.
• Terrible (nearly non-existant ) customer service. Rude and uneducated on their own credit card offerings.
• Faulty mobile app and website. On several occasions I logged into my account to pay my balance and my account didn’t show my transactions but showed I owed on my balance. I had no way to verify the transactions were accurate (and not fraudulent).
• The credit card is not managed on a platform owned by AAA. As of the date of this post, AAA outsources their card management to Comenity Financial, which is a company owned by yet another, separate (parent) company: Bread Financial. The customer service representatives for this card are not AAA representatives. They’re poorly trained, ill-mannered Comenity Financial call center representatives working “on behalf” of AAA.
**IF YOU CALL THEIR CUSTOMER SERVICE PHONE NUMBER: Immediately ask to speak with a supervisor. You will be transferred to a somewhat more capable individual who has more knowledge about AAA.
• Zero communications from AAA or Comenity Financial. You will receive no updates, payment reminders, or courtesy communications regarding your AAA credit card account.
• A desperate financial institution, Comenity Financial will find any way they can to charge you credit card penalties and miscellaneous fees.
Summary: • This card sounds like a legitimate, high quality credit card from a reputable company (AAA). Instead, what you get is a Visa credit card that sports AAA’s branding, managed by an incompetent financial company Comenity Financial, owned by Bread Financial.
This is the worst card I have ever owned. I got an email telling me my bank account information was wrong and they reversed my payment 3 days after the due date and now. Paid immediately when the email came. And now I'm hit with a late fee and suspended card for their issues. so i am unable to use my rewards I earned. The best part is the bank account is the same one I made the new payments with! I haven't made a late payment on any cards I own. And have a high credit score. This card screams scam. Avoid at all cost even if you have an perfect credit score.
First of all, I highly recommend Patient Fi instead. Second of all, I have a membership with two other entities at Comenity Bank, and I’ve never had any issues with them the way I have with Alphaeon.
I was waiting for a statement to make my first payment as they did not email me or send me anything online.
The first piece of mail that I ever received from them was a warning against my credit that I had not paid their bill. I called them back, explained that I never received a statement, and made two payments as well as scheduled two more payments to make up for the last time.
They had charged me two late fees and reversed one. They would not reverse the other. I explained that it was their fault, I’ve never missed a single payment and I’ve always been clear with Comenity.
They claimed that they were Comenity (which is bogus, it’s just a partnership - they’re not even on the app) and that it was not their fault that it was the Postal Service’s fault.
Horrible customer service. Go with any other lender but this one.
If i could give them 0 stars, i would. Super dismissive, not willing to help, and hard to understand which is the most frustrating part of it all. I will NEVER use them again for any other purchases. I will go somewhere else to i can deal with agents that actually speak english fluently, that are willing to help, and whom actually care
Terrible experience impossible to manage payments on line Terrible customers service do not open this credit card it's been a nightmare from the beginning
This bank appears to be unfairly charging customers.
My wife opened a credit card through Sephora and made a purchase of about $65. We never received any billing statement. Later, the bank added a $40 late fee.
I contacted customer service, and they agreed to waive $25 of the fee. I then paid the original balance plus the remaining $25 late fee. This issue occurred in November, and we believed it was resolved.
However, in March, we received another call from customer service demanding around $200. They claimed that the original payment was one day late and continued adding additional late fees.
Now, the customer service representatives are threatening legal action, which feels unreasonable given the situation. We made a good-faith effort to resolve the issue and paid what we were told was owed.
This situation feels unfair and needs to be reviewed.
Get answers to your questions about Comenity below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
You can log in to your Victoria's Secret Credit Card account by going to the login page on the Comenity Bank website and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Victoria's Secret Credit Card Account
Register your Victoria's Secret Credit Card for online account access. Click “Register Now” and enter card number, ZIP code, and last four digits of your Social Security number to verify your credit card account.
Choose your Victoria's Secret Credit Card username and password. The password must be atleast 8 characters, have at least one uppercase letter, one lowercase letter, and one number. The password is case sensitive and may contain special characters.
Log in with your new Victoria's Secret Credit Card credentials. From the login page on the Comenity Bank website, fill out the Username and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Victoria's Secret Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot Username/Password?” on the Comenity Bank login page and follow the prompts to reset or retrieve your username or password.
You can make a Ulta Credit Card payment online, by phone, by mail or through EasyPay. To pay a Ulta Credit Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make a Ulta Credit Card Payment
Online:Log in to your online account and click on...
You can make a Victoria's Secret Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.
How to Make a Victoria's Secret Credit Card Payment Online
Login to your Comenity account with your username and password.
Click the payment button located by your credit card.
You can make a Torrid Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay a Torrid Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
You can make a Burlington Credit Card payment online, by phone, by mail or through EasyPay. To pay a Burlington Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Burlington Credit Card Payment
Online:Log in to your online account and click on...
To log in to your Jared Credit Card account, go to Comenity Bank's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Comenity Bank, you'll need to enroll first and set up a username and password.
How to Log in to Your Jared Credit Card Account
Visit Comenity Bank's website. Navigate to the login box at the top of the...
You can make a Zales Credit Card payment online, by phone, by mail or through EasyPay. To pay a Zales Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Zales Credit Card Payment
Online:Log in to your online account and click on...
To log in to your Lane Bryant Credit Card account, go to issuer's website, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with issuer, you'll need to enroll first and set up a username and password.
How to Log in to Your Lane Bryant Credit Card Account
Visit issuer's website. Navigate to the login box at the top of the page, where it...
To talk to Victoria's Secret Credit Card customer service, call (800) 695-7020 and then say "I don't have it" when asked for your credit card number or your SSN. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Victoria's Secret Credit Card Customer Service by Phone
Call the Victoria's Secret Credit Card customer service department. You can even use the number on...
You can make a Kay Credit Card payment online, by phone, by mail or through EasyPay. To pay a Kay Credit Card bill online, log in to your online account and click on "Payments." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Kay Credit Card Payment
Online:Log in to your online account and click on "Payments," or...
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* The information about the following cards has been independently collected
by WalletHub: Victoria's Secret Credit Card, Ulta Credit Card, Torrid Credit Card, Burlington Credit Card, Jared Credit Card, Zales Credit Card, Lane Bryant Credit Card, and Kay Credit Card.
