This Business Is Not BBB Accredited

Comenity Bank

Comenity Bank

(800) 675-5685

Comenity Bank

29 years in business
Headquarters
PO Box 182273
Columbus, OH 43218-2273
Additional Phone Numbers
  • (800) 675-5685
BBB File Opened: 01/01/1966
Business Started: 05/01/1989
Business Incorporated: 05/01/1989 in OH
Type of Entity
Corporation
Business Management
  • Mr. Ed Heffernan, President/CEO
Contact Information
  • Ms. Jordan Flinn, Digital Marketing Specialist
  • Mr. John Marion, President
  • Mr. Jon Smith, Compliance Manager
  • Customer Service: Ms. Melissa Garner, Complaint Manager
Business Category
  • Credit Cards and Plans
  • Bank

Additional Information
  • Because the company processes consumer credit card accounts and billing statements for many retail stores and businesses, the company advised in a letter to the BBB that an account number is necessary to address communication from our BBB in a timely...
  • Because the company processes consumer credit card accounts and billing statements for many retail stores and businesses, 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.

    Company advises if consumers are attempting to reach Customer Service, check the number on the back of their card for the appropriate number for that client.  

    This business receives a high volume of complaints. Consistent with national BBB policy, effective 1.1.2018, BBB is publishing the details (text) of a representative sample (25%) of complaints online. All complaints count in the number of complaints. 

  • 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 2 entities which are available at these links:


Products & Services
credit card services
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
  • Abercrombie & Fitch (credit accounts handled by Comenity Bank)
  • All Modern (credit accounts handled by Comenity Bank)
  • ALON (credit accounts handled by Comenity Bank)
  • American Home (credit accounts handled by Comenity Bank)
  • American Signature Furniture (credit accounts handled by Comenity Bank)
  • American TV (credit accounts handled by Comenity Bank)
  • Ames (credit accounts handled by Comenity Bank)
  • Ann Taylor (credit accounts handled by Comenity Bank)
  • Arhaus Furniture (credit accounts handled by Comenity Bank)
  • Ashley Stewart (credit accounts handled by Comenity Bank)
  • Avenue, The (credit accounts handled by Comenity Bank)
  • Barneys New York
  • Bealls (credit accounts handled by Comenity Bank)
  • Bealls Florida (credit accounts handled by Comenity Bank)
  • Bealls Outlet (credit accounts handled by Comenity Bank)
  • Bedford Fair (credit accounts handled by Comenity Bank)
  • Bergner's (credit accounts handled by Comenity Bank
  • Birch Lane (credit accounts handled by Comenity Bank)
  • Bon Ton (credit accounts handled by Comenity Bank)
  • Boston Store (credit accounts handled by Comenity Bank)
  • Brownstone Studio (credit accounts handled by Comenity Bank)
  • Brylane Home Catalog (Kitchen or Wishes) (Redcats) (credit accounts handled by Comenity Bank)
  • Buckle (credit card acct. handled by Comenity Bank)
  • Burke's Outlet (credit accounts handled by Comenity Bank)
  • Carson's (credit accounts handled by Comenity Bank)
  • Catherine's (credit accounts handled by Comenity Bank)
  • Chadwicks Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
  • Christopher & Banks (credit accounts handled by Comenity Bank)
  • Coldwater Creek (credit accounts handled by Comenity Bank
  • Columbian Emeralds / Dutyfree.com (credit accounts handled by Comenity Bank)
  • Comenity LLC
  • Crate & Barrel (credit accounts handled by Comenity Bank)
  • Credo (credit accounts handled by Comenity Bank)
  • Crescent Jewelers (credit accounts handled by Comenity Bank)
  • Crosstown Traders (credit accounts handled by Comenity Bank)
  • Design Within Reach (credit accounts handled by Comenity Bank)
  • Diamond Credit Pin (credit accounts handled by Comenity Bank)
  • Diamond Elite (credit accounts handled by Comenity Bank)
  • Domestications (credit accounts handled by Comenity Bank)
  • Dots (credit accounts handled by Comenity Bank)
  • Dress Barn Retail (credit accounts handled by Comenity Bank)
  • DSW (credit account handled by Comenity Bank
  • Dunlap (credit accounts handled by Comenity Bank)
  • Dwell Studios (credit accounts handled by Comenity Bankk)
  • Eddie Bauer (credit accounts handled by Comenity Bank)
  • Elder Beerman (credit accounts handled by Comenity Bank)
  • Express (credit accounts handled by Comenity Bank)
  • Farmers Rewards Visa (credit accounts handled by Comenity Bank)
  • Fashion Bug (credit accounts handled by Comenity Bank)
  • Friedman's Jeweler's (credit accounts handled by Comenity Bank)
  • FullBeauty Brands (Credit accounts handled by Comenity Bank)
  • Gander Mountain (Co-Brand) (credit accounts handled by Comenity Bank)
  • Garden Ridge (credit accounts handled by Comenity Bank)
  • Giant Eagle (credit accounts handled by Comenity Bank)
  • Goody's (credit accounts handled by Comenity Bank)
  • Gordman's (credit accounts handled by Comenity Bank)
  • Henri Bendel (credit accounts handled by Comenity Bank)
  • Herbergers (credit accounts handled by Comenity Bank)
  • Hot Topic (credit accounts handled by Comenity Bank)
  • iComfort (credit accounts handled by Comenity Bank)
  • J. Crew (credit accounts handled by Comenity Bank)
  • Jared (credit accounts handled by Comenity Bank
  • Jessica London Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
  • Joss & Main (credit accounts handled by Comenity Bank)
  • Kay Jewelers (credit account handled by Comenity Bank)
  • King Size / Big & Tall Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
  • La Redoute Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
  • Lane Bryant (credit accounts handled by Comenity Bank)
  • Levin Furniture (credit accounts handled by Comenity Bank)
  • Lew Magram (credit accounts handled by Comenity Bank)
  • Little Switzerland (credit accounts handled by Comenity Bank)
  • LoveLoft (credit card accounts handled by Comenity Bank)
  • Mandee (credit accounts handled by Comenity Bank)
  • Marathon (credit accounts handled by Comenity Bank)
  • Maurice's (credit accounts handled by Comenity Bank)
  • Mayors (credit accounts handled by Comenity Bank)
  • MedChoice (credit accounts handled by Comenity Bank)
  • Meijer (credit accounts handled by Comenity Bank)
  • Metrostyle (credit accounts handled by Comenity Bank)
  • Monterey Bay (credit accounts handled by Comenity Bank)
  • MY World MasterCard (credit accounts handled by Comenity Bank)
  • New York & CO (Lerner New York) (credit accounts handled by Comenity Bank)
  • Newport News (credit accounts handled by Comenity Bank)
  • Old Pueblo Traders (credit accounts handled by Comenity Bank)
  • Overton's MasterCard (credit accounts handled by Comenity Bank)
  • Pac Sun (credit accounts handled by Comenity Bank)
  • Palais Royal (credit accounts handled by Comenity Bank)
  • Pamida (credit accounts handled by Comenity Bank)
  • Peebles (credit accounts handled by Comenity Bank)
  • Pier 1 (credit accounts handled by Comenity Bank)
  • Polo Ralph Lauren (credit accounts handled by Comenity Bank)
  • Pottery Barn (credit accounts handled by Comenity Bank)
  • Pottery Barn Kids
  • RediCard (Red Roof Inn credit account handled by Comenity Bank)
  • Reed's Jewelers (credit accounts handled by Comenity Bank)
  • Restoration Hardware (credit accounts handled by Comenity Bank)
  • Roamans / Intimate Promise Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
  • Room Place (credit accounts handled by Comenity Bank)
  • Samuels Jewelers (Schubach) (credit accounts handled by Comenity Bank)
  • Saturday Night Live (credit accounts handled by Comenity Bank
  • Sharper Image (credit accounts handled by Comenity Bank)
  • Shop at Home (credit accounts handled by Comenity Bank)
  • Silhouettes (Hanover) (credit accounts handled by Comenity Bank)
  • Spiegel (credit accounts handled by Comenity Bank)
  • Sportsman's Guide (credit accounts handled by Comenity Bank)
  • Stage Stores (credit accounts handled by Comenity Bank)
  • Steinbach (credit accounts handled by Comenity Bank)
  • Talbot's (credit accounts handled by Comenity Bank)
  • The Company Store (Hanover) (credit accounts handled by Comenity Bank)
  • The Sports Authority (TSA) (credit accounts handled by Comenity Bank)
  • Today's Man (credit accounts handled by Comenity Bank)
  • Torrid (credit accounts handled by Comenity Bank)
  • Trek Bikes (credit accounts handled by Comenity Bank)
  • Under Gear (credit accounts handled by Comenity Bank)
  • Utango (credit accounts handled by Comenity Bank)
  • Venus (credit accounts handled by Comenity Bank)
  • Victoria's Secret Stores (credit accounts handled by Comenity Bank)
  • Viking Cruises
  • Wayfair (credit accounts handled by Comenity Bank)
  • West Building Material (credit accounts handled by Comenity Bank)
  • West Elm (credit accounts handled by Comenity Bank)
  • Westgate Resorts (credit accounts handled by Comenity Bank)
  • Wickes Lumber (credit accounts handled by Comenity Bank)
  • Williams Sonoma (credit accounts handled by Comenity Bank)
  • Woman Within (credit accounts handled by Comenity Bank)
  • Woodcraft Catalog (credit accounts handled by Comenity Bank)
  • Younkers (credit accounts handled by Comenity Bank)
  • Z Gallerie (credit accounts handled by Comenity Bank)

D+

Government Action

Comenity Bank, FDIC-14-0402b, FDIC-14-0404b, FDIC-0403k

On Sept. 8, 2015 the Federal Deposit Insurance Corporation (FDIC) announced consent agreements entered into Sept. 4, 2015, with Comenity Bank and Comenity Capital Bank, which are wholly-owned subsidiaries of Comenity, LLC, for deceptive practices related to the marketing and servicing of credit card “add-on” products” in violation of Section 5 of the Federal Trade Commission Act. As part of t... Read More

Overview

The scope of this BBB Business Review concerns Comenity Bank, which processes credit card and billing account statements for many retail business clients nationwide.

We work with hundreds of well-known and much-loved companies to offer their customers — customers just like you — credit programs that connect loyal shoppers to the brands they love. 

Other BBBs maintain separate BBB Business Reviews on the businesses that are clients of Comenity 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/

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BBB Reason for Ratings

BBB rating is based on 13 factors: Get the details about the factors considered.

Factors that affect the rating for Comenity Bank include:

  • 1868 complaint(s) filed against business
  • 3 complaint(s) filed against business that were not resolved

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
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 substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
BBB reports on known significant government actions involving the business's marketplace conduct.
BBB reports on a company that is out of business for one year from the date the company closes its doors or ceases to do business.
BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.
BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.
BBB reports when mail sent to the business was returned by the Postal Service.

Comenity Bank

This Business Is Not BBB Accredited

Comenity Bank

Customer Review Rating:

96%

Composite Score: