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Find a Location

Comenity Bank has 25 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.
    • Comenity Bank

      3095 Loyalty Cir Bldg A Columbus, OH 43219-3673

      BBB Accredited Business
    • Comenity Bank

      PO Box 337006 Denver, CO 80233-7006

    • Comenity Bank

      1 Righter Pkwy Ste 100 Talleyville, DE 19803-1533

    • Comenity Bank

      30669 US Highway 19 N Palm Harbor, FL 34684-4410

    • Comenity Bank

      745 W Hanley Ave Coeur D Alene, ID 83815-8627

    Business ProfileforComenity Bank

    Credit Cards and Plans
    Multi Location Business
    BBB accredited business

    Current Alerts For This Business

    Alert:
    Customer Care Hours of Operation:
    Monday – Saturday: 8am-10pm EST
    Sunday Closed
    MasterCard and Visa products are supported 24/7

    Additional business information

    Additional Info:

    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 / retailer or vendor'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.  

    As of April 18, 2023  Please be advised that due to the high volume of complaints received for this business, BBB may publish 1 out of every 4 complaints handled through our conciliation process.

     

    Additional Info:
    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  Bread Financial, and BBB maintains separate reports on these 2 entities which are available at these links:


    See all additional business information

    At-a-glance

    Customer Reviews

    1.04/5stars

    Average of 1,784 Customer Reviews

    Customer Complaints

    5,521 complaints closed in last 3 years

    1,584 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 11/19/2023

    Years in Business: 34

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    Comenity Bank, a wholly-owned subsidiary of Bread Financial Payments, Inc., , provides branded private-label and co-branded credit cards to consumers of various retail establishments. 

    The scope  of this BBB Business Profile concerns Comenity Bank.

    Other BBBs maintain separate BBB Business Profiles on the retail establishments that are clients of Comenity Bank, and those other profiles are available by searching at http://www.bbb.org/ 

    Products & Services

    Comenity Bank, a wholly-owned subsidiary of Bread Financial Payments, Inc., , provides branded private-label and co-branded credit cards to consumers of various retail establishments. 

    Business Details

    This is a multi-location business.

    Find a Location

    Comenity Bank has 25 locations, listed below.

    *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

      Country
      Please enter a valid location.
      • Comenity Bank

        3095 Loyalty Cir Bldg A Columbus, OH 43219-3673

        BBB Accredited Business
      • Comenity Bank

        PO Box 337006 Denver, CO 80233-7006

      • Comenity Bank

        1 Righter Pkwy Ste 100 Talleyville, DE 19803-1533

      • Comenity Bank

        30669 US Highway 19 N Palm Harbor, FL 34684-4410

      • Comenity Bank

        745 W Hanley Ave Coeur D Alene, ID 83815-8627

      Location of This Business
      3095 Loyalty Cir Bldg A, Columbus, OH 43219-3673
      BBB File Opened:
      1/1/1966
      Years in Business:
      34
      Business Started:
      5/1/1989
      Accredited Since:
      11/19/2023
      Alternate Business Name
      • Legendary Pine Mastercard
      • Comenity Bank a wholly-owned subsidiary of Bread Financial Payments, Inc.
      • Bread Financial Payments, Inc.
      • Bread Financial Holdings, Inc. - Parent Company of Bread Financial Payments, Inc. - Parent Company of Comenity Bank
      • Bread Financial
      • Comenity Direct
      • Bread Savings
      • Barclays NFL credit card
      • Build with Ferguson
      • B&H Payboo
      • Saloncentric
      • Bread Cashback American Express credit card
      • Lands' End
      • Good Sam Club Visa
      • EXPRESS NEXT Credit Card Customer Service Express Credit Card
      • Levin Furniutes (credit card accounts handled by Comenity Bank)
      • Caesars Rewards
      • Burlington
      • Sony
      • Century 21 Department Stores
      • Barneys New York
      • Pottery Barn Kids (credit accounts handled by Comenity Bank)
      • Jared (credit accounts handled by Comenity Bank
      • Loft (LoveLoft Mastercard credit accounts handled by Comenity Bank)
      • Fashion to Figure (credit accounts handled by Comenity Bank)
      • Elder Beerman (credit accounts handled by Comenity Bank)
      • Marathon (credit accounts handled by Comenity Bank)
      • Lane Bryant (credit accounts handled by Comenity Bank)
      • Herbergers (credit accounts handled by Comenity Bank)
      • Younkers (credit accounts handled by Comenity Bank)
      • Pier 1 (credit accounts handled by Comenity Bank)
      • Talbot's (credit accounts handled by Comenity Bank)
      • Christopher & Banks (credit accounts handled by Comenity Bank)
      • DSW (credit account handled by Comenity Bank
      • Pac Sun (credit accounts handled by Comenity Bank)
      • Meijer (credit accounts handled by Comenity Bank)
      • Dots (credit accounts handled by Comenity Bank)
      • Coldwater Creek (credit accounts handled by Comenity Bank
      • Mayors (credit accounts handled by Comenity Bank)
      • Westgate Resorts (credit accounts handled by Comenity Bank)
      • FullBeauty Brands (Credit accounts handled by Comenity Bank)
      • Saturday Night Live (credit accounts handled by Comenity Bank
      • Credo (credit accounts handled by Comenity Bank)
      • Comenity LLC
      • Bergner's (credit accounts handled by Comenity Bank
      • Mandee (credit accounts handled by Comenity Bank)
      • Hot Topic (credit accounts handled by Comenity Bank)
      • Loft (LoveLoft credit card accounts handled by Comenity Bank)
      • Williams Sonoma (credit accounts handled by Comenity Bank)
      • ALON (credit accounts handled by Comenity Bank)
      • Bon Ton (credit accounts handled by Comenity Bank)
      • Boston Store (credit accounts handled by Comenity Bank)
      • Carson's (credit accounts handled by Comenity Bank)
      • Diamond Elite (credit accounts handled by Comenity Bank)
      • Farmers Rewards Visa (credit accounts handled by Comenity Bank)
      • Overton's MasterCard (credit accounts handled by Comenity Bank)
      • RediCard (Red Roof Inn credit account handled by Comenity Bank)
      • iComfort (credit accounts handled by Comenity Bank)
      • Venus (credit accounts handled by Comenity Bank)
      • Joss & Main (credit accounts handled by Comenity Bank)
      • All Modern (credit accounts handled by Comenity Bank)
      • Birch Lane (credit accounts handled by Comenity Bank)
      • Dwell Studios (credit accounts handled by Comenity Bankk)
      • Buckle (credit card acct. handled by Comenity Bank)
      • Viking Cruises
      • Kay Jewelers (credit account handled by Comenity Bank)
      • Roamans / Intimate Promise Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
      • King Size / Big & Tall Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
      • Brylane Home Catalog (Kitchen or Wishes) (Redcats) (credit accounts handled by Comenity Bank)
      • Ames (credit accounts handled by Comenity Bank)
      • Arhaus Furniture (credit accounts handled by Comenity Bank)
      • Dress Barn Retail (credit accounts handled by Comenity Bank)
      • J. Crew (credit accounts handled by Comenity Bank)
      • Levin Furniture (credit accounts handled by Comenity Bank)
      • Today's Man (credit accounts handled by Comenity Bank)
      • West Building Material (credit accounts handled by Comenity Bank)
      • Woodcraft Catalog (credit accounts handled by Comenity Bank)
      • Abercrombie & Fitch (credit accounts handled by Comenity Bank)
      • Ashley Stewart (credit accounts handled by Comenity Bank)
      • The Sports Authority (TSA) (credit accounts handled by Comenity Bank)
      • Garden Ridge (credit accounts handled by Comenity Bank)
      • Samuels Jewelers (Schubach) (credit accounts handled by Comenity Bank)
      • American TV (credit accounts handled by Comenity Bank)
      • Ann Taylor (credit accounts handled by Comenity Bank)
      • Maurice's (credit accounts handled by Comenity Bank)
      • Goody's (credit accounts handled by Comenity Bank)
      • Pottery Barn (credit accounts handled by Comenity Bank)
      • New York & CO (Lerner New York) (credit accounts handled by Comenity Bank)
      • Chadwicks Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
      • Eddie Bauer (credit accounts handled by Comenity Bank)
      • Spiegel (credit accounts handled by Comenity Bank)
      • American Home (credit accounts handled by Comenity Bank)
      • Columbian Emeralds / Dutyfree.com (credit accounts handled by Comenity Bank)
      • Bealls (credit accounts handled by Comenity Bank)
      • Design Within Reach (credit accounts handled by Comenity Bank)
      • Diamond Credit Pin (credit accounts handled by Comenity Bank)
      • Little Switzerland (credit accounts handled by Comenity Bank)
      • Shop at Home (credit accounts handled by Comenity Bank)
      • Steinbach (credit accounts handled by Comenity Bank)
      • Trek Bikes (credit accounts handled by Comenity Bank)
      • Z Gallerie (credit accounts handled by Comenity Bank)
      • Jessica London Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
      • MY World MasterCard (credit accounts handled by Comenity Bank)
      • Restoration Hardware (credit accounts handled by Comenity Bank)
      • Newport News (credit accounts handled by Comenity Bank)
      • Avenue, The (credit accounts handled by Comenity Bank)
      • Gordman's (credit accounts handled by Comenity Bank)
      • Palais Royal (credit accounts handled by Comenity Bank)
      • Peebles (credit accounts handled by Comenity Bank)
      • Henri Bendel (credit accounts handled by Comenity Bank)
      • Polo Ralph Lauren (credit accounts handled by Comenity Bank)
      • La Redoute Catalog (Redcats USA) (credit accounts handled by Comenity Bank)
      • American Signature Furniture (credit accounts handled by Comenity Bank)
      • Crescent Jewelers (credit accounts handled by Comenity Bank)
      • Domestications (credit accounts handled by Comenity Bank)
      • Gander Mountain (Co-Brand) (credit accounts handled by Comenity Bank)
      • Woman Within (credit accounts handled by Comenity Bank)
      • MedChoice (credit accounts handled by Comenity Bank)
      • Silhouettes (Hanover) (credit accounts handled by Comenity Bank)
      • The Company Store (Hanover) (credit accounts handled by Comenity Bank)
      • Victoria's Secret Stores (credit accounts handled by Comenity Bank)
      • Wickes Lumber (credit accounts handled by Comenity Bank)
      • Friedman's Jeweler's (credit accounts handled by Comenity Bank)
      • Metrostyle (credit accounts handled by Comenity Bank)
      • Old Pueblo Traders (credit accounts handled by Comenity Bank)
      • Bedford Fair (credit accounts handled by Comenity Bank)
      • Brownstone Studio (credit accounts handled by Comenity Bank)
      • Lew Magram (credit accounts handled by Comenity Bank)
      • Monterey Bay (credit accounts handled by Comenity Bank)
      • Bealls Florida (credit accounts handled by Comenity Bank)
      • Bealls Outlet (credit accounts handled by Comenity Bank)
      • Burke's Outlet (credit accounts handled by Comenity Bank)
      • Crosstown Traders (credit accounts handled by Comenity Bank)
      • Dunlap (credit accounts handled by Comenity Bank)
      • Giant Eagle (credit accounts handled by Comenity Bank)
      • Pamida (credit accounts handled by Comenity Bank)
      • Room Place (credit accounts handled by Comenity Bank)
      • Sportsman's Guide (credit accounts handled by Comenity Bank)
      • Torrid (credit accounts handled by Comenity Bank)
      • Under Gear (credit accounts handled by Comenity Bank)
      • Utango (credit accounts handled by Comenity Bank)
      • West Elm (credit accounts handled by Comenity Bank)
      • Express (credit accounts handled by Comenity Bank)
      • Reed's Jewelers (credit accounts handled by Comenity Bank)
      • Sharper Image (credit accounts handled by Comenity Bank)
      • Catherine's (credit accounts handled by Comenity Bank)
      • Fashion Bug (credit accounts handled by Comenity Bank)
      • Bath & Body Works (credit accounts handled by Comenity Bank)
      • NY & Company (Co-Brand) (credit accounts handled by Comenity Bank)
      • Victoria's Secret Direct - Catalog (credit accounts handled by Comenity Bank)
      Business Management
      • Ms. Stephanie Gram, Sr. Director, Complaints Management
      • Ms. Kathy Martino, Complaint Manager
      • Mr. Ralph Andretta, CEO
      • Mr. Erick Clark Sr., Senior Vice President, Enterprise Services
      • Mr. Bruce Bowman, President
      • Mr. Mark Williams, Manager, Complaints Management
      • Mr. Baron Schlachter, President
      • Mr. Tom McGuire, CFO
      • Mr. Michael Blackham, Treasurer
      • Ms. Kristin Lowery, Chief Information Security Officer
      • Ms. Amanda Foor, Chief Compliance Officer
      • Mr. Glen Segrato, Secretary
      Contact Information

      Principal

      • Mr. Baron Schlachter, President

      Customer Contact

      • Ms. Stephanie Gram, Sr. Director, Complaints Management
      • Ms. Kathy Martino, Complaint Manager
      Additional Contact Information

      Email Addresses

      Customer Complaints

      5,524 Customer Complaints

      Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

      File a Complaint

      Most Recent Customer Complaint

      03/19/2024

      Complaint Type:
      Billing Issues
      Status:
      Answered
      I have a ***** credit card that is through community bank and I have always paid my card on time and I have always paid either the minimum payment due or more than the minimum. I asked for a credit increase and instead of the bank saying no they just decided to lower my credit limit by $6,250. I got no notice from them saying that they were going to lower my credit and because I received no notice and that I pay all my bills from them on time. They can not lower my credit. I called the bank and spoke to a supervisor. They are refusing to put my credit limit back to where it was. All they told me to do was to put in another credit increase in 60 days.
      Read More

      Customer Reviews

      1,784 Customer Reviews

      What do you think? Share your review.

      How BBB Processes Complaints and Reviews

      Start a Review

      Most Recent Customer Review

      Donna R

      1 star

      04/03/2024

      They will lie and add additional payments to your account. Never again will I be guilty of shopping with them. I will warn everyone of their ability to rip customers off.

      Local BBB

      BBB of Central Ohio

      BBB Reports On

      BBB reports on known marketplace practices.

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