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 has 136 locations, listed below.

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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 5138 Luthvle Timon, MD 21094-5138

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  Alliance Data

  1103 Allen Dr Milford, OH 45150-8763

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  Alliance Data

  PO Box 370 Milford, OH 45150-0370

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  Comenity Capital Bank

  P.O. Box 120 Milford, OH 45150

Review Details

• Review fromROSE S

  Date: 04/20/2025

  1 star
  Lure you with high rates but make it impossible to access your money. ******** acct if you make withdrawals. Send emails (I'm overseas) which they don't even read. Received only form letters to call them. INVEST MONEY ELSEWHERE. Aggravation not worth it!

• Review fromHeather E

  Date: 04/15/2025

  1 star
  Poor communication along with their additional fees that are a direct result in their poor communication and making sure people understand the whats, whys, and hows. Then customer service or really anyone that you talk to on the phone wont have an answer for you, but can you blame them? Its just their job to say Im sorry and Ill set you up for 2 additional payments because that solves the issue of them not communicating. If youre thinking about getting this card, just dont. Get an actual reputable credit card not these guys, Ive been paying the minimum payment for over a year, and my balance has gone up, not down. And when I asked why, they said oh yeah the minimum payment doesnt cover the interest, or it only covers the interest and doesnt go towards the principal, I dont remember which. Both answer are goofy and everyone should cancel their academy card at the same time. I use my capital one card, which has a credit limit substantially higher than Comenity and their minimum payment is half, and it goes towards something. Comenity has 0 excuses, other than being greedy.

• Review fromMolly J

  Date: 04/14/2025

  1 star
  "BREAD FINANCIAL" is a complete SCAM. Comenity partnerships and Bread Financials work ethics are terrible. They do not clearly communicate their terms, they do not send official reminders, they do not honor their grace ******** When you discuss a matter of concern, they hang up on you. They completely mislead you on intentions and policy's of their company. They scammed me of $364.96. DO NOT USE THIS COMPANY FOR ANYTHING. Keep in mind I went through my concerns with my upmost respect and patience until I spoke to every supervisor possible. I have never missed a payment in my life on anything and I have a near 800 credit score. I have worked with multiple card companies and banks. This is NOT a company or avenue you want to put your trust in. They will not resolve any issues, even if it's on their end of fault and responsibility. STAY AWAY FROM BREAD FINANCIAL AND COMENITY BANK.

• Review fromTim H

  Date: 04/04/2025

  1 star
  Paying the minimum payments every month, my balance should be $500 left but the actual balance is now $1900 and we are unable to use our medical account to pay since the debt was bought by an overseas company and the **** medical account wont do business with them. They have essentially extorted us out of $1400 by continuing to charge interest monthly that was already paid. Dont use the this service!

• Review fromAndrew W

  Date: 04/03/2025

  1 star
  Lots of high fees. Unhelpful customer service. Find another CD.

• Review fromDavid T

  Date: 03/23/2025

  1 star
  I got suckered into their promotional offer of paying it off in 12 months with no interest on the 366 day they put all theinterest on the account and it doubled the balance. Ive been trying to keep up with it making double payments and the interest rates just kill **** took the money I owed out of savings and paid them off. I suggest anybody dealing with this Bank do the same thing and close youraccounts with whoever you have credit cards that are issued by this bank. This bank is a rip off. They dont care about the customers.

• Review fromTodd B

  Date: 03/20/2025

  1 star
  This is the worst bank in the history of banking! I opened a **** credit card through this bank, and they only hire the most incompetent, lazy, good for nothing, completely useless people that God ever put on this earth. I am not kidding; they couldnt be any worse if they were paid to try! They are completely useless to ANY question you ask them, as if they dont like their job. You know how when you open a credit card and try to close it the bank makes it hard to do that, well not at this bank. They are so completely ignorant, lazy and brainless, they just say ok. They have no clue how a financial institution should operate. I dont either, but I know more than these people. I called them and got nowhere. I have sent messages through their crippled website, and no one ever responds. I have sent instant messages, and no one responds. Whats worse than a bank that never responds to customers and if you are lucky enough to get them on the phone, they care nothing about anything you ask or know nothing. I literally cannot express enough how truly dumb these people are, its almost impossible a person can be this dumb. Im still amazed when I think about it. I am shocked they are still in business. Do NOT open a **** ** with this bank!

• Review fromConnie B

  Date: 03/17/2025

  1 star
  Thay have absolutely no idea what they are doing!Tried to send my daughter a birthday gift from the website, did everything I was suppose to do, I was unable to send anything. Tried to get help from this bank which I was told store issue, called the stor, no bank issue. I talked to 8 people one supposedly supervisor, still no help.Due to their incompetency of doing their job, I have made a decision never to shop nor ever use this card again. Never ever have I had a issue with a company like this..****** it is... unfortunately

• Review fromRhonda A

  Date: 03/15/2025

  1 star
  I asked a representative from ************** to allocate a specific amount to be paid on my *** Jewelers card and they assured me that it could be done. I make the substantial payment and call to do the same thing the next month only to find that once CB got my monies they allocated it how they wanted, not as discussed and asked prior. The worse part is that took my money and told me that they could not fix the issue caused by the representative and I would just have to be okay with things the way they are. UNBELIEVABLE AND YOTALLY DISRESPECTFUL !

• Review fromDolores L

  Date: 03/04/2025

  1 star
  I would stop online at my favorite stores like Romans and women within and I would use my credit/debit card to pay my bills promptly so then Idecided to start writing checks and low and behold every time I wrote a check they said it was late oh its sometimes it takes 10 days they say After the fourth time in a row they did that the day the mailman came to my building with that I wrote a check put the mailbox and lo and behold. They called me up. We didnt get your check. Come to find out that all they want was $37 for late fees. I told him cancel my credit card and thats it. Im not dealing with you. I looked at the BBB so they were doing it to everyone,so Im gonna sue and file a complaint against them.