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
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