I called into this bank to make a payment using my debit card and was told you will be charged a $9.00 fee,which will be added to your account,I refused this offer,nothing but a total rip-off.I also paid my bill recently recently,one day after the due date and was charged a $35 late fee.I was told we don't have a grace period.This bank is a total rip-off,and as soon as this account is paid in full,my intent is to not do business with them again.
Even if you pay your bill a day before the due date,because it did not clear your bank before the due date,they charge you a late fee.Also because I had not paid this account off in a year,all of the money I had paid previously was added back to the account,in addition to other fees,so it was as if I had not made any payments at all.I was told it was interest.
I have applied to this Bank for some credit cards , interest is kinda high on some , but that is not the problem i have with them . It seems know only to them and them alone , if you answere any of the three questions they ask , not only will you be denied whatever card you are appling for , no big deal there , .... BUT .... Comenity , will then go and CANCEL and CLOSE , ANY and ALL , cards you have with them and not tell you that they are doing that . I only found that out when i went to update a card ... And what is worse , Their so called " Fraud Dept " will do NOTHING , to help or reopen the closed accounts, they will not accept ANY type of verification from you as to who you are , via email , fax or USPS... What type of company does this ? I , and a few of the people I talked to at Comenity have heard about this practice either...
Financed dental work through Springstone, which is a sub of Comenity Bank. Payments arranged with a company rep on telephone was incorrectly input, leading to inter-bank transfer being rejected. Late fee and harrassing phone call from Comenity Bank collection department within one day of past due. I gave the rep over the phone the bank routing number and account number. When calling the customer service department to learn what went wrong, no seems to know anything. TELL YOUR DENTIST YOU DO NOT WANT TO FINANCE DENTAL WORK WITH SPRINGSTONE. THEY ARE INEPT AND WILL RUIN YOUR CREDIT!!!
Comenity Capital Bank is the financial institution behind the David's Bridal Credit Card.
This bank charges late fees ON the statement due date every month, increases "late fees" although the bills are paid on time and/or early, increases APR to outrageous amounts without any notice, which is a breach of federal law.
I never pay any of my bills late, ever. Comenity Bank changed my monthly payments from $38.00/mo to $381/mo with no notice, no reason, and subsequently increased my APR to nearly 30%.
When filing a complaint directly with the bank, I was sent a generic response letter, not touching on anything outlined in my complaint whatsoever. After filing a formal complaint with the BBB, Comenity again sent the same generic letter which contained no information pertaining to my complaint whatsoever.
Comenity Capital Bank has over 1,700 complaints with regard to the same issue filed in the last YEAR.
If shopping through David's Bridal, make certain you do not open a charge account for any reason whatsoever. There are no perks, there are no benefits. If purchasing a gown that costs approximately $1,000, you will end up paying nearly $2,000 additionally in erroneous fees and have your credit score fatally impacted.
Incompetent, Favor businesses over their customers
Please see the letter to this bank's CEO!!! I requested a call or response in some way, but received nothing. I call Customer Service and receive no help. I had a dispute for $4,000 and provided Comenity with multiple documents supporting my case; they resolved the case in my favor on 3/25 and rescinded their decision on 4/18! This is total incompetence and lack of respect for their customers. They favor the businesses.
January 7, 2019
Dear Mr. Ostler,
I am sorry to have to write to you in full desperation and frustration. I acquired your credit card in October 2018 with the plan that this was going to be my new and primary major credit card.
I used it for a $12,000 payment to a venue for my daughter’s wedding on October 24, 2018. When I gave it to Bob, the owner, he did not want to take it and requested cash instead. I told him that I did not have $12K cash and for my own reasons, I was using my credit card. I was annoyed and shocked at his unprofessionalism to speak to a customer as he did to me. My reasons for using my credit cards are for the points, but mainly for the security if the merchandise/services were unacceptable. This would allow me to go back to the bank and do a dispute. I NEVER thought that this would be the case regarding my only daughter’s only wedding!
In almost 50 years of having credit cards, I have only had to file a dispute one other time with a vacation club. I paid thousands of dollars to a club due to promises made to me, but never received. I had used my Discover and Capital One cards for that transaction, thank God. The dispute went on for months, but once completed, I won. Both my banks informed me that I was being reimbursed for the amounts in addition to interest. They also told me that if I had paid using my debit card or check, I might not have been as lucky. Since then (10 years ago), I always use my credit card for everything!
I tried to work with Bob (owner), Mike (owner) and Casey (manager); but without success. I finally opened the dispute in November via the phone. Your Customer Care representative informed me that I would be notified once they had questions. I waited a few weeks and called last week for the status; and was told that I lost! No questions, no documentation requested and no one cared! I received a letter that week which told me that they may need an additional 90 days to review and to send documentation if I had any. That is when I called them to find out that they closed it without my input. When I had opened it on the phone, your representative told me that I would be contacted when they were ready. I felt discouraged and without confidence in this bank’s loyalty to their customers.
Tara is my only daughter and I wanted her to have the wedding of a lifetime! I was a single mom with three kids who worked two jobs to support my kids; while providing them with everything they needed and much of what they wanted! I felt taken advantage of and lied to from the venue; and then from the people who were supposed to review and decide on my dispute.
I have attached a spreadsheet with the details and dollar amounts, a detailed letter from me and three letters from guests at the wedding. These three guests were close friends who were aware of all my wedding plans with details, so they are very aware when they saw what was provided vs. what was ordered!
I have spoken to other guests since the wedding and when I told them about my dispute, they began to tell me what they noticed had gone wrong. I have additional testimonials (negative) which makes me so unhappy for my daughter.
I am so angry that individuals still have to fight big corporations for fairness. Please help me to show Bob, Mike and Casey that we count too!
Do not buy from Blair clothings. Comenity made credit card without my knowledge. I bought pants, returned it but Comenity kept collecting and calling me. I never received Comenity card. This is a rip-off.
Comenity Capital Bank Reviews
Ripoff
I called into this bank to make a payment using my debit card and was told you will be charged a $9.00 fee,which will be added to your account,I refused this offer,nothing but a total rip-off.I also paid my bill recently recently,one day after the due date and was charged a $35 late fee.I was told we don't have a grace period.This bank is a total rip-off,and as soon as this account is paid in full,my intent is to not do business with them again.
Even if you pay your bill a day before the due date,because it did not clear your bank before the due date,they charge you a late fee.Also because I had not paid this account off in a year,all of the money I had paid previously was added back to the account,in addition to other fees,so it was as if I had not made any payments at all.I was told it was interest.
I have applied to this Bank for some credit cards , interest is kinda high on some , but that is not the problem i have with them . It seems know only to them and them alone , if you answere any of the three questions they ask , not only will you be denied whatever card you are appling for , no big deal there , .... BUT .... Comenity , will then go and CANCEL and CLOSE , ANY and ALL , cards you have with them and not tell you that they are doing that . I only found that out when i went to update a card ... And what is worse , Their so called " Fraud Dept " will do NOTHING , to help or reopen the closed accounts, they will not accept ANY type of verification from you as to who you are , via email , fax or USPS... What type of company does this ? I , and a few of the people I talked to at Comenity have heard about this practice either...
Financed dental work through Springstone, which is a sub of Comenity Bank. Payments arranged with a company rep on telephone was incorrectly input, leading to inter-bank transfer being rejected. Late fee and harrassing phone call from Comenity Bank collection department within one day of past due. I gave the rep over the phone the bank routing number and account number. When calling the customer service department to learn what went wrong, no seems to know anything. TELL YOUR DENTIST YOU DO NOT WANT TO FINANCE DENTAL WORK WITH SPRINGSTONE. THEY ARE INEPT AND WILL RUIN YOUR CREDIT!!!
Comenity Capital Bank is the financial institution behind the David's Bridal Credit Card.
This bank charges late fees ON the statement due date every month, increases "late fees" although the bills are paid on time and/or early, increases APR to outrageous amounts without any notice, which is a breach of federal law.
I never pay any of my bills late, ever. Comenity Bank changed my monthly payments from $38.00/mo to $381/mo with no notice, no reason, and subsequently increased my APR to nearly 30%.
When filing a complaint directly with the bank, I was sent a generic response letter, not touching on anything outlined in my complaint whatsoever. After filing a formal complaint with the BBB, Comenity again sent the same generic letter which contained no information pertaining to my complaint whatsoever.
Comenity Capital Bank has over 1,700 complaints with regard to the same issue filed in the last YEAR.
If shopping through David's Bridal, make certain you do not open a charge account for any reason whatsoever. There are no perks, there are no benefits. If purchasing a gown that costs approximately $1,000, you will end up paying nearly $2,000 additionally in erroneous fees and have your credit score fatally impacted.
This is a proven scam. Steer clear.
Incompetent, Favor businesses over their customers
Please see the letter to this bank's CEO!!! I requested a call or response in some way, but received nothing. I call Customer Service and receive no help. I had a dispute for $4,000 and provided Comenity with multiple documents supporting my case; they resolved the case in my favor on 3/25 and rescinded their decision on 4/18! This is total incompetence and lack of respect for their customers. They favor the businesses.
January 7, 2019
Dear Mr. Ostler,
I am sorry to have to write to you in full desperation and frustration. I acquired your credit card in October 2018 with the plan that this was going to be my new and primary major credit card.
I used it for a $12,000 payment to a venue for my daughter’s wedding on October 24, 2018. When I gave it to Bob, the owner, he did not want to take it and requested cash instead. I told him that I did not have $12K cash and for my own reasons, I was using my credit card. I was annoyed and shocked at his unprofessionalism to speak to a customer as he did to me. My reasons for using my credit cards are for the points, but mainly for the security if the merchandise/services were unacceptable. This would allow me to go back to the bank and do a dispute. I NEVER thought that this would be the case regarding my only daughter’s only wedding!
In almost 50 years of having credit cards, I have only had to file a dispute one other time with a vacation club. I paid thousands of dollars to a club due to promises made to me, but never received. I had used my Discover and Capital One cards for that transaction, thank God. The dispute went on for months, but once completed, I won. Both my banks informed me that I was being reimbursed for the amounts in addition to interest. They also told me that if I had paid using my debit card or check, I might not have been as lucky. Since then (10 years ago), I always use my credit card for everything!
I tried to work with Bob (owner), Mike (owner) and Casey (manager); but without success. I finally opened the dispute in November via the phone. Your Customer Care representative informed me that I would be notified once they had questions. I waited a few weeks and called last week for the status; and was told that I lost! No questions, no documentation requested and no one cared! I received a letter that week which told me that they may need an additional 90 days to review and to send documentation if I had any. That is when I called them to find out that they closed it without my input. When I had opened it on the phone, your representative told me that I would be contacted when they were ready. I felt discouraged and without confidence in this bank’s loyalty to their customers.
Tara is my only daughter and I wanted her to have the wedding of a lifetime! I was a single mom with three kids who worked two jobs to support my kids; while providing them with everything they needed and much of what they wanted! I felt taken advantage of and lied to from the venue; and then from the people who were supposed to review and decide on my dispute.
I have attached a spreadsheet with the details and dollar amounts, a detailed letter from me and three letters from guests at the wedding. These three guests were close friends who were aware of all my wedding plans with details, so they are very aware when they saw what was provided vs. what was ordered!
I have spoken to other guests since the wedding and when I told them about my dispute, they began to tell me what they noticed had gone wrong. I have additional testimonials (negative) which makes me so unhappy for my daughter.
I am so angry that individuals still have to fight big corporations for fairness. Please help me to show Bob, Mike and Casey that we count too!
Blair using Comenity card is horrible
Do not buy from Blair clothings. Comenity made credit card without my knowledge. I bought pants, returned it but Comenity kept collecting and calling me. I never received Comenity card. This is a rip-off.
Comenity Capital Bank
worst credit card company
do not use its a ripoff company
your dealing with robots