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.
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Comenity Capital Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/03/2023.
3.7
24,276 reviews
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24,276 reviews from WalletHub and across the web
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Comenity Capital
Victoria @mindysbboy
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1 Star Rating
This is ridiculous. It's impossible to log on, the site says it's having tech difficulties to do the fast pay thing. To actually log on, it says my password is wrong, I try to change it, and they're having tech difficulties My balance somehow went up last month after payment but shocker, I can't look and see why, just paid it on the phone this month. The automated voice tries to kick you to a human in the middle of trying to pay. Repeatedly.
This is the worst credit card customer service ever. I used and enjoyed the discounts and points I got from using the card for my purchases. After a while I stopped using it, however, because unless I paid it off immediately, the interest offset any discount. I never had a late payment and had been making large payments to try to pay off the balance. In September of 2022, I paid off my entire balance. I didn't know it, but they charged me an interest fee of $7 after I paid it off, so I didn't know that I owed them $7. It began getting late fees and further interest charges added to the account. I never received a notice about these late fees or amount. I finally got an automated phone call in December to contact them about my bill. When I looked at my account online, I was shocked to discover that I now owed $65. I sent a message through the online message system, explaining the situation. I asked for a reduction of the fees since I hadn't even know I owed them anything. A few days later a message came back explaining how I owed them the original $7 and their payment policies and that I still owed them $65. Then I tried to call customer service but couldn't get through the system to dial to an actual person. Finally I got a phone call from debt collections. They had turned me over to a collection agency. I answered the call, explained the situation, and the person told me if I paid $27 right now, that my account would be paid in full. I repeated this back several times to make sure and then agreed. The next day, my bank account showed that $37, not $27 had come out of my bank. I just let it go, wanting it to be done. Then this week (Feb 2023), a month later, I got a payment due notice for $28 that was due. I looked at my account, and saw the $37 payment had come out but they had not zeroed my balance. I had even been charged another interest charge! I called them again, and explained the entire thing, and the person I spoke to told me that they would waive the final amount (as a one time courtesy!) As of today, my account still shows that I owe $28. So it's still not resolved. This is the most frustrating communication system and the most unethical way to do business that I have had to deal with. I will never use this card again, and honestly, it's even put me off buying from Torrid.
I have a Talbots credit card that I opened in 2021, while I have been a Talbots customer for over 20 years. This card is linked to Comenity which is more like a dark Comedy because they are a blood sucking company. I missed my first bill of $79 by a few days by sending them a check in the mail. They charged me a $35 late fee. I was trying to set up an account on their website so I could pay the late fee electronically. I was experiencing some trouble doing so and I called their help number. I received a recording stating that I would need to pay $9 to speak with someone for help. After a while I finally figured it out on my own and made my payment. Bottom line - I will avoid using their card unless it makes good financial sense on future transactions at Talbots.
most pleased with inventory will continue to be a frequent customer of J. Jill. Like their store and personnel who attend to customers and customer needs and wants.
I hadn’t used this credit card for a little over a year, I got an email saying I hadn’t used it and they were canceling my account, they didn’t give me any notice whatsoever, fine I will shop elsewhere with my dollars!
I created an online account for access to my Sephora bill when I received my card. Every single time I have attempted to log in to my account online I have been met with a prompt that tells me I have invalid credentials. For the last eight months, any time I wanted to access my account online I have had to call customer service so they can send me an outside link to gain access. What is the point of creating an online account if it tells you your information is invalid everytime??? How am I supposed to know what’s going on with my account if I can’t even access it? After registering AGAIN for online access, my info was once again rejected upon login, with the same invalid credentials prompt. Sephora, this is atrocious customer service, and whatever interface glitch needs to be fixed with your website, it needs to be fixed immediately! Customers should not have a hard time accessing their account online. After I pay my bill off, I am closing my account with Sephora. Completely unacceptable.
I love my Maurices card, it comes in handy when I need that nice outfit in a pinch! It is also great when you want the comphy day off clothes for being stylish around the town.
I am here to provide a PSA for anyone looking to use this bank’s services. I have never ever encountered a more dysfunctional organization. After 1.5h speaking with representatives and supervisors, they are unable to reason about a credit application for which they couldn’t verify identity but are not willing to allow me to verify identity either. They keep transferring people in a system that they blamed for having changed options that they do not know what they are. I have never seen anything like this before. Horrific customer services, do NOT use their services!
The easiest way you can pay your Lane Bryant Credit Card is online, either by signing in to your account or paying as a guest. Alternatively, you can pay your bill over the phone, by calling customer care at (800) 888-4163. Lastly, you can pay your Lane Bryant Credit Card via mail. Bear in mind that you can no longer pay your credit card bill in-store.
Here's how you can pay your Lane Bryant Credit Card:
Online: Just log in to your Lane Bryant Credit Card online account using your credentials.
EasyPay: You can also pay as a guest, by using EasyPay. You will just need to provide your credit card account number, ZIP or postal code, and the last four digits of your Social Security Number (SSN). Easy Pay also accepts Social Insurance Numbers (SIN) or Alternate Identification (AIN).
Phone: If you prefer to make a payment over the phone, call customer service at (800) 888-4163.
Mail: Ultimately, you can send a check or money order (but not cash) to the following address: Comenity-Lane Bryant PO Box 659728 San Antonio, TX 78265-9728
If you'd rather send your payment via mail, make sure to do it at least 5 days before your due date to avoid being charged with a late fee.
Online:Log in to your online account and click on “Make a Payment.”
Over the phone: Call (866) 518-3990 and enter your card information when prompted.
Through EasyPay: The EasyPay feature allows you to make a payment without logging in or registering for full online access.
By mail: Send a check or money order (but not cash) to:
Comenity Capital Bank PO Box 650964 Dallas, TX 75265-0964
If you choose to make a payment via mail, you should send it early enough so that it will arrive by the due date. Write your credit card number on the check, too.
The easiest way you can pay your Big Lots Credit Card is either online or over the phone, by calling (888) 566-4353. Alternatively, you can pay your credit card bill via mail. Big Lots Credit Card also allows cardholders to set up automatic payments.
Ways to Make a Big Lots Credit Card Payment
Online: Log in to your online account and access the "Payments" section. Then, choose how much to pay, when to pay it, and where the payment is coming from.
You can also set up automatic payments for the minimum due, your balance, or an amount of your choice. Alternatively, you can make a payment through EasyPay, without logging in.
Phone: Call (888) 566-4353 enter your card information and follow the prompts to make a payment. Please note that there may be a fee to process a phone payment. You have the option to withdraw your payment if you do not wish to pay the fee.
Mail: Send a check or money order (but not cash) to:
Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Write your credit card number on the check, too.
You can pay your Roaman's credit card bill online or by calling 1-800-695-0195. There may be a $15 fee for phone payments, however, while online payments are free of charge. You can make online payments 24/7.
To pay your Roaman's credit card bill online, start by registering your account for online management here. You'll need to choose an amount to pay and a payment date, and you'll be asked to provide your bank account and routing numbers. To avoid a late fee, your payment must be successfully submitted by 8PM EST on or before your due date. Your available credit will be adjusted as soon as possible for same-day or next-day payments made online. This may mean an immediate update.
Alternately, the Roaman's Credit Card is eligible for Comenity Bank's “Easy Pay” feature, which allows you to make a payment without logging in or registering for full online access. All you need to set up Easy Pay access is to register with just a few pieces of personal information. Keep in mind that Easy Pay will only allow users to make payments, so you won't be able to see your complete account information or manage your account unless you sign up for a full online account.
