BBB Business Review

Text Sizesmall medium large

This business is not BBB accredited.

Comenity Capital Bank

Find a Location

Phone: (866) 327-4367 View Additional Phone Numbers PO Box 182025, Columbus, OH 43218 http://www.comenity.net/comenity


BBB Business Reviews may not be reproduced for sales or promotional purposes.

Description

The scope of this BBB Business Review concerns Comenity Capital Bank, which processes credit card and billing account statements and offers commercial lending for many  businesses clients nationwide.

Other BBBs maintain separate BBB Business Reviews on the businesses that are clients of Comenity Capital Bank, concerning all of the products and services of those businesses, other than concerning processing of credit card billing account and lending matters.

Other BBB Business Reviews are available by searching at http://www.bbb.org/

 

 


BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 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 776 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

776 complaints closed with BBB in last 3 years | 293 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 27
Billing/Collection Issues 523
Delivery Issues 14
Guarantee/Warranty Issues 1
Problems with Product/Service 211
Total Closed Complaints 776

Customer Reviews Summary Read customer reviews

55 Customer Reviews on Comenity Capital Bank
Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 1
Negative Experience 53
Total Customer Reviews 55

Additional Information

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
AKC Visa (credit accounts handled by Comenity Capital Bank) American Business (credit accounts handled by Comenity Capital Bank) American Laser Skincare (credit accounts handled by Comenity Capital Bank) American TV(credit accounts handled by Comenity Capital Bank) Anne Geddes (credit accounts handled by Comenity Capital Bank) Aspen Dental- DentalFirst Financing (credit accounts handled by Comenity Capital Bank) Barneys New York (credit accounts handled by Comenity Capital Bank Big Lots (credit accounts handled by Comenity Capital Bank) BJ's Perks (credit accounts handled by Comenity Capital Bank) Blair (credit accounts handled by Comenity Capital Bank) Boscov's (credit accounts handled by Comenity Capital Bank) Carson's (credit accounts handled by Comenity Capital Bank) Carter Lumber DIY(credit accounts handled by Comenity Capital Bank) Carter PLC (credit accounts handled by Comenity Capital Bank) Carter Pro (credit accounts handled by Comenity Capital Bank) David's Bridal (credit accounts handled by Comenity Capital Bank) DentalFirst Financing (credit accounts handled by Comenity Capital Bank) Distribution America (credit accounts handled by Comenity Capital Bank) Draper's & Damon's (credit accounts handled by Comenity Capital Bank) Fastline (credit accounts handled by Comenity Capital Bank) Fuel Rewards Network MasterCard (credit accounts handled by Comenity Capital Bank Gamestop (credit accounts handled by Comenity Capital Bank) Gardner White (credit accounts handled by Comenity Capital Bank) GEM Account (credit accounts handled by Comenity Capital Bank) Gold Violin (credit accounts handled by Comenity Capital Bank) Good Sam (credit accounts handled by Comenity Capital Bank Gordon's Jewelers (credit accounts handled by Comenity Capital Bank) Haband (credit accounts handled by Comenity Capital Bank) Healthiplan HSN (credit accounts handled by Comenity Capital Bank) J.Jill (credit accounts handled by Comenity Capital Bank) Lending Club Patient Solutions (credit accounts handled by Comenity Capital Bank) Lenovo (credit accounts handled by Comenity Capital Bank) Lexus Pursuits Visa (credit accounts handled by Comenity Capital Bank) Lifestyle Lift (credit accounts handled by Comenity Capital Bank) LinenSource (credit accounts handled by Comenity Capital Bank) Med Money (credit accounts handled by Comenity Capital Bank) Modells (credit accounts handled by Comenity Capital Bank) Motorola (credit accounts handled by Comenity Capital Bank) My BJ's Perks MasterCard (credit accounts handled by Comenity Capital Bank) My Smile Care (credit accounts handled by Comenity Capital Bank) Norm Thompson (credit accounts handled by Comenity Capital Bank) Orbitz Rewards Card (credit accounts handled by Comenity Capital Bank) Orchard Supply Hardware (credit accounts handled by Comenity Capital Bank) Osh (credit accounts handled by Comenity Capital Bank) Osh Commercial Services (credit accounts handled by Comenity Capital Bank) Overstock.com (credit accounts handled by Comenity Capital Bank) PayPal Credit (credit accounts handled by Comenity Capital Bank) Petland (credit accounts handled by Comenity Capital Bank) Phoenix Chamber Link (credit accounts handled by Comenity Capital Bank) Sahalie (credit accounts handled by Comenity Capital Bank) Simply Be (credit accounts handled by Comenity Capital Bank) Smile Generation Financial (credit accounts handled by Comenity Capital Bank) Southern Pipe (credit accounts handled by Comenity Capital Bank) Springstone Financial (credit accounts handled by Comenity Capital Bank) Taylor Rental Credit Card (credit accounts handled by Comenity Capital Bank) Taylor Rental Discover Card (credit accounts handled by Comenity Capital Bankl) The Tog Shop (credit accounts handled by Comenity Capital Bank) part of Blair Corporation Tiger Direct (credit accounts handled by Comenity Capital Bank) Toyota Rewards VISA (credit accounts handled by Comenity Capital Bank) Valliani Jewelers (credit accounts handled by Comenity Capital Bank Venue (credit accounts handled by Comenity Capital Bank) Virgin America Visa (credit accounts handled by Comenity Capital Bank) Westgate Resorts (credit accounts handled by Comenity Capital Bank) WFCB Wintersilks (credit accounts handled by Comenity Capital Bank) World Financial Capital Bank (WFCB) World Financial Capital Bank (WFCB), A Comenity Company Your Tuition Solution (credit accounts handled by Comenity Capital Bank) Zales (credit accounts handled by Comenity Capital Bank)
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

Comenity Bank, which formerly did business as World Financial Network Bank, and Comenity Capital Bank, which formerly did business as World Capital Bank, are wholly-owned subsidiaries of  Alliance Data Systems, and BBB maintains separate reports on these 3 entities which are available at these links:


Industry Tips
Credit - BBB General Statement For All Debt, Credit TOBs Credit Cards - Choosing & Using Credit - FTC Tips

Customer Review Rating plus BBB Rating Summary

Comenity Capital Bank has received 3.72 out of 5 stars based on 55 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview
Industry Ratings Comparison Chart X
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.
X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.