This Business Is Not BBB Accredited

Comenity Capital Bank

Comenity Capital Bank

(800) 820-8932

Comenity Capital Bank

14 years in business
Headquarters
PO Box 182025
Columbus, OH 43218-2025
Additional Email Addresses
  • bbbcomplaints@alliancedata.com
BBB File Opened: 11/29/2006
Business Started: 01/01/2003
Type of Entity
Corporation
Business Management
  • Ms. Kelly Tuthill, Complaint Manager
  • Andrea Moss, President
Business Category
  • Credit Cards and Plans
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 man...

Service Area
We service the following area(s): Alabama, Alaska, American Samoa, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virgin Islands, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Alternate Business Names
  • Blair (credit accounts handled by Comenity Capital Bank)
  • Fastline (credit accounts handled by Comenity Capital Bank)
  • Carter Lumber DIY(credit accounts handled by Comenity Capital Bank)
  • Venue (credit accounts handled by Comenity Capital Bank)
  • American TV(credit accounts handled by Comenity Capital Bank)
  • Gardner White (credit accounts handled by Comenity Capital Bank)
  • HSN (credit accounts handled by Comenity Capital Bank)
  • Med Money (credit accounts handled by Comenity Capital Bank)
  • Osh Commercial Services (credit accounts handled by Comenity Capital Bank)
  • Southern Pipe (credit accounts handled by Comenity Capital Bank)
  • Haband (credit accounts handled by Comenity Capital Bank)
  • Smile Generation Financial (credit accounts handled by Comenity Capital Bank)
  • J.Jill (credit accounts handled by Comenity Capital Bank)
  • Orchard Supply Hardware (credit accounts handled by Comenity Capital Bank)
  • American Laser Skincare (credit accounts handled by Comenity Capital Bank)
  • Petland (credit accounts handled by Comenity Capital Bank)
  • Virgin America Visa (credit accounts handled by Comenity Capital Bank)
  • Draper's & Damon's (credit accounts handled by Comenity Capital Bank)
  • Tiger Direct (credit accounts handled by Comenity Capital Bank)
  • The Tog Shop (credit accounts handled by Comenity Capital Bank) part of Blair Corporation
  • Motorola (credit accounts handled by Comenity Capital Bank)
  • PayPal Credit (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
  • Fuel Rewards Network MasterCard (credit accounts handled by Comenity Capital Bank
  • Barneys New York (credit accounts handled by Comenity Capital Bank
  • Wintersilks (credit accounts handled by Comenity Capital Bank)
  • Lifestyle Lift (credit accounts handled by Comenity Capital Bank)
  • Distribution America (credit accounts handled by Comenity Capital Bank)
  • Lending Club Patient Solutions (credit accounts handled by Comenity Capital Bank)
  • Your Tuition Solution (credit accounts handled by Comenity Capital Bank)
  • Simply Be (credit accounts handled by Comenity Capital Bank)
  • GEM Account (credit accounts handled by Comenity Capital Bank)
  • Modells (credit accounts handled by Comenity Capital Bank)
  • My BJ's Perks MasterCard (credit accounts handled by Comenity Capital Bank)
  • AKC Visa (credit accounts handled by Comenity Capital Bank)
  • LinenSource (credit accounts handled by Comenity Capital Bank)
  • Overstock.com (credit accounts handled by Comenity Capital Bank)
  • Aspen Dental- DentalFirst Financing (credit accounts handled by Comenity Capital Bank)
  • Anne Geddes (credit accounts handled by Comenity Capital Bank)
  • Taylor Rental Credit Card (credit accounts handled by Comenity Capital Bank)
  • HealthiPlan Patient Financing
  • Norm Thompson (credit accounts handled by Comenity Capital Bank)
  • Lexus Pursuits Visa (credit accounts handled by Comenity Capital Bank)
  • Toyota Rewards VISA (credit accounts handled by Comenity Capital Bank)
  • Orbitz Rewards Card (credit accounts handled by Comenity Capital Bank)
  • Gamestop (credit accounts handled by Comenity Capital Bank)
  • Zales (credit accounts handled by Comenity Capital Bank)
  • My Smile Care (credit accounts handled by Comenity Capital Bank)
  • Big Lots (credit accounts handled by Comenity Capital Bank)
  • Gordon's Jewelers (credit accounts handled by Comenity Capital Bank)
  • Sahalie (credit accounts handled by Comenity Capital Bank)
  • Lenovo (credit accounts handled by Comenity Capital Bank)
  • Boscov's (credit accounts handled by Comenity Capital Bank)
  • Piercing Pagoda (credit accounts handled by Comenity Capital Bank)
  • Forever 21 (credit accounts handled by Comenity Capital Bank)
  • Ulta Beauty (credit accounts handled by Comenity Capital Bank)
  • Appleseed's (credit accounts handled by Comenity Capital Bank
  • The Children's Place (credit accounts handled by Comenity Capital Bank)
  • Newegg Preferred Account (credit accounts handled by Comenity Capital Bank
  • Abbey Carpet/Floors to Go (credit accounts handled by Comenity Capital Bank)
  • Alphaeon (credit accounts handled by Comenity Capital Bank)
  • Ballard Designs (credit accounts handled by Comenity Capital Bank)
  • Bed Bath & Beyond (credit accounts handled by Comenity Capital Bank)
  • Blue Nile (credit accounts handled by Comenity Capital Bank)
  • CD Peacock (credit accounts handled by Comenity Capital Bank)
  • Century 21 Dept. Stores (credit accounts handled by Comenity Capital Bank)
  • Credit Auto Repair (credit accounts handled by Comenity Capital Bank)
  • David's Bridal (credit accounts handled by Comenity Capital Bank)
  • Dell (credit accounts handled by Comenity Capital Bank)
  • West Coast Dental/Dental Alliance (credit accounts handled by Comenity Capital Bank)
  • Diamonds International (credit accounts handled by Comenity Capital Bank)
  • Dwolla (credit accounts handled by Comenity Capital Bank)
  • Earthwise Windows and Doors (credit accounts handled by Comenity Capital Bank)
  • El Dorado (credit accounts handled by Comenity Capital Bank)
  • Frontgate (credit accounts handled by Comenity Capital Bank)
  • Good Sam/Coast to Coast Visa (credit accounts handled by Comenity Capital Bank)
  • Grand Rental (credit accounts handled by Comenity Capital Bank)
  • Grandin Road (credit accounts handled by Comenity Capital Bank)
  • Home and Garden Showplace (credit accounts handled by Comenity Capital Bank)
  • Hometown Brand Centers (credit accounts handled by Comenity Capital Bank)
  • H3 Wellness Plus (credit accounts handled by Comenity Capital Bank)
  • Hannoush (credit accounts handled by Comenity Capital Bank)
  • Harvey Building Products (credit accounts handled by Comenity Capital Bank)
  • Healthiplan (credit accounts handled by Comenity Capital Bank)
  • Iddeal Jewelry (credit accounts handled by Comenity Capital Bank)
  • Ideal Image (credit accounts handled by Comenity Capital Bank)
  • Improvements (credit accounts handled by Comenity Capital Bank)
  • J. Jill (credit accounts handled by Comenity Capital Bank)
  • Jay Gems/Simply (credit accounts handled by Comenity Capital Bank)
  • Kohler Generators (credit accounts handled by Comenity Capital Bank)
  • LaserAway (credit accounts handled by Comenity Capital Bank)
  • MESA Money (credit accounts handled by Comenity Capital Bank)
  • Marisota/JD Williams (credit accounts handled by Comenity Capital Bank)
  • Merchant Funders (credit accounts handled by Comenity Capital Bank)
  • BJ's Wholesales Club (credit accounts handled by Comenity Capital Bank)
  • Ohio University MC (credit accounts handled by Comenity Capital Bank)
  • Premier Designs (credit accounts handled by Comenity Capital Bank)
  • Premier Laser Spa (credit accounts handled by Comenity Capital Bank)
  • Priscilla of Boston (credit accounts handled by Comenity Capital Bank)
  • Rainsoft (credit accounts handled by Comenity Capital Bank)
  • Serta/iComfort (credit accounts handled by Comenity Capital Bank)
  • Solutions (credit accounts handled by Comenity Capital Bank)
  • The Tile Shop (credit accounts handled by Comenity Capital Bank)
  • True Value Brands (credit accounts handled by Comenity Capital Bank)
  • Univision (credit accounts handled by Comenity Capital Bank)
  • Vintage King Audio (credit accounts handled by Comenity Capital Bank)
  • Vitacost Healthy Perks MC (credit accounts handled by Comenity Capital Bank)
  • JD Williams
  • UBG Consumer Credit (credit accounts handled by Comenity Capital Bank

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.

Standards of BBB Accreditation

An accredited business or organization agrees to:
  1. 1. Have been operational (actively selling products or services) in any BBB service area for at least the most recent 6 months, unless the principle(s) previously operated a similar business with an eligible record (one that qualifies for BBB accreditation).
  2. 1. Fulfill contracts signed and agreements reached.
  3. 3. Be free from government action that demonstrates a significant failure to support BBB ethical principles in marketplace transactions (this requires a determination by BBB as to the nature of any violation, whether it was caused or condoned by management, and actions taken to resolve underlying issues that led to the government action).
  4. 4. Be free of an unsatisfactory rating and maintain at least a B rating at the accrediting BBB and the BBB where it is headquartered, if different.
  5. 5. In its relationship with BBB:
    1. 1. meet all applicable standards within this Code of Business Practices
    2. 2. cooperate with BBB's activities and efforts to promote voluntary self- regulation within the business' industry
    3. 3. honor any settlements, agreements or decisions reached as an outcome of a BBB dispute resolution process
    4. 4. complete the required application and pay all monetary obligations to BBB in a timely manner
An accredited business or organization agrees to:
  1. 1. Follow federal, state/provincial and local advertising laws.
  2. 2. Abide by the BBB Code of Advertising. Supply, upon request, substantiation for advertising and selling claims. Correct advertising and selling practices, when recommended by BBB.
  3. 3. Adhere to applicable BBB industry codes of advertising.
  4. 4. Cooperate with BBB self-regulatory programs for the resolution of advertising disputes.
  5. 5. Use the BBB name and logos in accordance with BBB policy.
  6. 6. Avoid misleading customers by creating the false impression of sponsorship, endorsement, popularity, trustworthiness, product quality or business size through the misuse of logos, trustmarks, pictures, testimonials, or other means
An accredited business or organization agrees to:
  1. 1. Make known all material facts in both written and verbal representations, remembering that misrepresentation may result not only from direct statements but by omitting or obscuring relevant facts.
  2. 2. Ensure that any written materials are readily available, clear, accurate and complete.
An accredited business or organization agrees to:
  1. 1. Upon request, provide BBB with all information required to evaluate compliance with BBB standards. This may include, but is not limited to business name, address and contact information; names and background of principles; business and banking references; licensing and/or professional accreditation; and a complete description of the nature of the business.
  2. 2. Clearly disclose to customers:
    1. 1. direct and effective means to contact the business
    2. 2. terms of any written contract
    3. 3. any guarantees or warranties accompanying a product
    4. 4. any restrictions or limitations imposed (e.g. limited supply,maximum number available per customer)
    5. 5. the business' return/refund policy
    6. 6. any recurring commitment into which the customer may be entering, including information on how future billing will occur
    7. 7. total cost of the transaction, including tax, shipping and handling, and other related charges
  3. 3. If selling products or providing services on Web sites or via other electronic means:
    1. 1. provide any required product labeling information
    2. 2. disclose the nature and terms of shipping, including any known delays or shortages of stock
    3. 3. provide an opportunity to review and confirm the transaction before the sale is completed
    4. 4. provide a receipt summarizing the transaction after the purchase
An accredited business or organization agrees to:
  1. 1. Fulfill contracts signed and agreements reached.
  2. 2. Honor representations by correcting mistakes as quickly as possible.
An accredited business or organization agrees to:
  1. 1. Promptly respond to all complaints forwarded by BBB by:
    1. 1. Resolving the complaint directly with the complainant and notifying BBB, or
    2. 2. Providing BBB with a response that BBB determines:
      1. 1. is professional,
      2. 2. addresses all of the issues raised by the complainant,
      3. 3. includes appropriate evidence and documents supporting the business' position, and
      4. 4. explains why any relief sought by the complainant cannot or should not be granted.
  2. 2. Make a good faith effort to resolve disputes, which includes mediation if requested by BBB. Other dispute resolution options, including arbitration, may be recommended by BBB when other efforts to resolve a dispute have failed. BBB may consider a business' willingness to participate in recommended dispute resolution options in determining compliance with these standards.
  3. 3. Comply with any settlements, agreements or decisions reached as an outcome of a BBB dispute resolution process.
  4. 4. Cooperate with BBB in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by BBB.
An accredited business or organization agrees to:
  1. 1. Respect Privacy
    Businesses conducting e-commerce agree to disclose on their Web site the following:
    1. 1. what information they collect,
    2. 2. with whom it is shared,
    3. 3. how it can be corrected,
    4. 4. how it is secured,
    5. 5. how policy changes will be communicated, and;
    6. 6. how to address concerns over misuse of personal data.
  2. 2. Secure Sensitive Data
    Businesses that collect sensitive data online (credit card, bank account numbers, Social Security number, salary or other personal financial information, medical history or records, etc.) will ensure that it is transmitted via secure means.Businesses will make best efforts to comply with industry standards for the protection and proper disposal of all sensitive data, both online and offline.
  3. 3. Honor Customer Preferences
    Businesses agree to respect customer preferences regarding contact by telephone, fax and e-mail, and agree to remedy the underlying cause of any failure to do so.
An accredited business or organization agrees to:
  1. 1. Avoid involvement, by the business or its principles, in activities that reflect unfavorably on, or otherwise adversely affect the public image of BBB or its accredited businesses.

BBB Accreditation Reviews

BBB routinely monitors its files on all Accredited Businesses to affirm that they continue to meet all BBB Accreditation Standards

BBB Accreditation Process

Not every business is eligible for BBB Accreditation. Businesses must meet, commit to and maintain the BBB Code of Business Practices (Accreditation Standards)  in order to be eligible for and maintain BBB Accreditation. The BBB Code of Business Practices represents sound advertising, selling and customer service practices that enhance customer trust and confidence in business. The Code is built on the BBB Standards for Trust, eight principles that summarize important elements of creating and maintaining trust in business.

In order to be eligible for Accreditation a business must complete an Accreditation application.

Upon receipt of a fully completed BBB Application for Accreditation, BBB staff:

  • Reviews the application
  • Researches the business
  • Verifies the information presented in the application
  • May request additional information
  • May request proof of specific information on the application
After the review and verification process, BBB will then evaluate if the business meets the BBB Code of Business Practices (Accreditation Standards)..

Once BBB has finished its evaluation, the application for BBB Accreditation is either approved or denied. If the applicant is found in compliance with the BBB Code of Business Practices it will be presented to the BBB Board of Directors, or a committee of that board, for final approval. If the application is denied, BBB will contact the applicant, indicating the BBB Standard(s) that were not met and any recourse available to the applicant.

Comenity Capital Bank

This Business Is Not BBB Accredited

Comenity Capital Bank

Customer Review Rating:

96%

Composite Score: