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BBB Business Review

BBB Accredited Business since

Comenity Capital Bank

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Phone: (866) 327-4367 PO Box 182025, Columbus, OH 43218 View Additional Web Addresses

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Description

World Financial Capital Bank processes credit card and billing account statements and offers commercial lending for many businesses nationwide.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Comenity Capital Bank meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Comenity Capital Bank include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 391 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

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Customer Complaints Summary Read complaint details

391 complaints closed with BBB in last 3 years | 143 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 6
Billing/Collection Issues 313
Delivery Issues 3
Guarantee/Warranty Issues 1
Problems with Product/Service 68
Total Closed Complaints 391

Read Complaints | Definitions | BBB Complaint Process | File a Complaint against Comenity Capital Bank
See Trends in Complaints on Comenity Capital Bank

Customer Reviews Summary Read customer reviews

7 Customer Reviews on Comenity Capital Bank
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 6
Total Customer Reviews 7

Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on Comenity Capital Bank

Additional Information

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BBB file opened: November 29, 2006 Business started: 01/01/2003 Business started locally: 01/01/2003
Type of Entity

Corporation

Business Management
Ms. Melissa Sheese, Consumer Relations Manager Ms. Hollie Briggs, Administrative Assistant Mr. Christopher Judge, Vice President of Operations Mrs. Kristy Smallwood, Director of Sales & Service Mr. Jon Smith, Customer Relations Specialist Supervisor
Contact Information
Principal: Ms. Melissa Sheese, Consumer Relations Manager
Customer Contact: Mr. Jon Smith, Customer Relations Specialist Supervisor
Business Category

Credit Cards & Plans

Alternate Business Names
American Business (credit accounts handled by WFCB) American Laser Skincare American TV (credit accounts handled by WFCB) Blair (credit accounts handled by WFCB) Carter PLC (credit accounts handled by WFCB) Carter Pro (credit accounts handled by WFCB) David's Bridal (credit accounts handled by WFCB) Fastline (credit accounts handled by WFCB) Gardner White (credit accounts handled by WFCB) Haband (credit accounts handled by WFCB) HSN (credit accounts handled by WFCB) J.Jill (credit Accounts Handled by WFCB) Med Money (credit accounts handled by WFCB) Osh (credit accounts handled by WFCB) Osh Commercial Services (credit accounts handled by WFCB) Petland Phoenix Chamber Link (credit accounts handled by WFCB) Southern Pipe (credit accounts handled by WFCB) Springstone (credit accounts handled by WFCB) Venue (credit accounts handled by WFCB) WFCB World Financial Capital Bank (WFCB) World Financial Capital Bank (WFCB), A Comenity Company
Additional Information

Because the company processes commercial credit card accounts and billing statements for many businesses nationwide, the company advised in a letter to the BBB that an account number is necessary to address communication from our BBB in a timely manner. Therefore, we suggest that if you are filing correspondence with our office concerning this company, that you include your complete name and mailing address, the merchant's name, and the account number.

Business Management

Some of the company contact information and principals of this firm, World Financial Capital Bank (WFCB), are also principals World Financial Network National Bank (WFNNB). The BBB maintains separate reports on WFNNB and WFCB. Please note that World Financial Network National Bank and World Financial Capital Bank based in Columbus, Ohio, are both wholly owned subsidiaries of Alliance Data which is headquartered in Dallas, TX. BBB maintains a separate report on Alliance Data headquartered in Dallas, TX.

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Same Relative Size   All Businesses
The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in 21 Counties in Central Ohio. Businesses may engage in more than one type of business.
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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

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BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

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What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.

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As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

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