Review Time
I WISH I COULD GIVE 0 STARS!!!
WORST BANK EVER!!! PLEASE, PLEASE, PLEASE, STAY AWAY!
I made a purchase at Kay Jeweler on December 11th 2025. I enrolled in Kay's12 month 0 interest program. This means I should pay $156.32 per month for 12 months. As you can see below, I made my 1st payment $250 on January 2nd 2026, which settled the January bill. I then made February's payment of $163 on January 5th 2026. I made my next payment on February 7th 2026 of $150 and an additional payment of $100 on February 19th 2026. I set up an automatic payment of $175 to start on March 5th 2026 (not shown) which was when I discovered that Comenity Bank penalized me with a late fee of $30 on February 5th 2026!!! I called customer service to get the fee removed, but was told because I paid before the bill was printed that all payments would be for the previous month. I explained to them that the program I was in had 0 penalty for paying early. The customer service agent even said to me that she knows it doesn't make sense, but that's just how it is and that she could only return $15. This is the most retarded thing I've ever heard. First, they steal my money, then they offer to give half of it back because I'm a loyal customer!!! Comenity banking/credit practices are criminal!
Date
Description
Amount
02/19/2026
PAYMENT - THANK YOU
-$100.00
02/07/2026
PAYMENT - THANK YOU
-$150.00
02/05/2026
LATE FEE
$30.00
01/05/2026
PAYMENT - THANK YOU
-$163.00
01/02/2026
PAYMENT - THANK YOU
-$250.00
12/11/2025
KAY JEWELERS JACKSONVILLE FL
I never go out of my way to write a review, but this is an exception. I took out the IKEA Projekt Card, which is provided by Bread Financial, and my card expired in early 2025. I wasn’t automatically sent a replacement, so I called to receive a new one and was told it would arrive in 10 business days. Reader, three months and more than a dozen phone calls have passed, and I still don’t have a replacement. Every single time I call, I am told I will receive it in 10 business days. I’ve also been told a supervisor will call me in 10 business days. Neither of those two things ever happened. At one point after I called for the 7th time to inquire what was going on, the customer service representative simply hung up. I pay my credit card on time and I keep my calm every time I interact with them. It should not be difficult to just mail out a new credit card. Or at the very least explain what is going on. Shame on the companies that do business with this predatory financial institution. Whoever runs customer service at Bread Financial is either incompetent, unethical or a combination of both. If you have the misfortune of being involved with this monstrosity, pay off whatever you need to pay off immediately and RUN.
I made a $72 purchase reduced to $68 for signing up for a Michael’s credit card on Nov. 6. Dec rolls around and I haven’t received my credit card or statement. I look online but I can’t log in without the account number which I don’t have without the card or statement. Come Jan. I see a report for Comenity Bank on my credit report. I search for the customer service number and the agent I speak to says she can’t help without me having the account number, so I’ll have to wait for the new card to make a payment or dispute interest and late fees. It has been 3 weeks still no card and statement, I call customer service again this time I’m told the first agent I spoke to was incorrect. Something on their end prevented the cards and statement from being sent. The best they can do is remove some of the additional charges but it’s my responsibility for the others. A $72 bill ended up costing me $96 because I didn’t baby sit them. I’d still be getting interest and late fees applied if I didn’t hunt them down to take care of it. Absolutely ridiculous business practices. Feel crooked and underhanded. I will never sign up for another credit card from this bank.
I made a $72 purchase reduced to $68 for signing up for a Michael’s credit card on Nov. 6. Dec rolls around and I haven’t received my credit card or statement. I look online but I can’t log in without the account number which I don’t have without the card or statement. Come Jan. I see a report for Comenity Bank on my credit report. I search for the customer service number and the agent I speak to says she can’t help without me having the account number, so I’ll have to wait for the new card to make a payment or dispute interest and late fees. It has been 3 weeks still no card and statement, I call customer service again this time I’m told the first agent I spoke to was incorrect. Something on their end prevented the cards and statement from being sent. The best they can do is remove some of the additional charges but it’s my responsibility for the others. A $72 bill ended up costing me $96 because I didn’t baby sit them. I’d still be getting interest and late fees applied if I didn’t hunt them down to take care of it. Absolutely ridiculous business practices. Feel crooked and underhanded. I will never sign up for another credit card from this bank.
Bread Financial denied my application claiming my “internal credit score” is 490, despite my actual credit score being 840. The stated reasons were baffling: too few credit cards, balances that are “too low,” paying cards off in full every month, and a supposedly high percentage of recent credit inquiries even though I haven’t allowed a hard pull in the last three years and my credit is always frozen.In addition to all that, they were out of compliance with their Notice of Credit decision not sent out on time (within the 30 days they should be sending it from the day I started my application), and this was sent to the CFPB to handle.If paying on time, keeping balances low, and avoiding unnecessary credit inquiries are somehow negatives, that’s a serious red flag. Had I known these were considered disqualifying, I never would have authorized a credit check. I was simply applying for a 5% grocery cash back card, not expecting to be penalized for responsible financial behavior. This experience suggests their approval model favors less financially disciplined customers who carry balances and generate interest, rather than those who manage credit well. I won’t be doing any business with Bread Financial, and I’m sharing this so others with strong credit profiles don’t waste a hard inquiry learning the same lesson.
If there was a below zero rating I would use it. I have been a loyal customer since 2023. I paid all my payments on time and because I decided not to use my card and pay it down, they got upset. There are a lot of complaints with this companies poor business practices. Let me close my own account. You don't do i for me. You won't be around long. I told the CS person to start looking for another job because they are doing some bogus business practices
This company was servicing my Sportsman's Warehouse Credit Card. (Formerly Comenity Capital Bank) My payment was due on the 28th of the month and I usually paid it between the first and the fifth of the month. After the 28th they would tell me I had a late fee and tell me the payment I paid on the first was too early and credited it to the previous month. I finally got feed up and called, paid my balance and cancelled the card. They then charged me a late charge. I called and said I had made a full payment on November 1 st and they said I paid the balance of $42 dollars after the 28th but ignored the payment made on the first. They then charged me a $48 late fee. I called and complained and was treated very rudely. They refused to discuss the payment I made on the first. Then they hung up. I called back just to pay the late fee to get rid of the problem and they had added another $48 late fee.These people are scam artists, do not open a Sportsman's Warehouse Card.
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