About Comenity Bank
Comenity Bank, located online at Comenity.net, is a financial institution that provides the backing of many different store and brand credit cards and credit accounts.
According to their website, the goal of Comenity and their two subsidiaries, Comenity Bank and Comenity Capital Bank, is to make the shopping experience of consumers better.
Consumers who choose store credit cards and credit accounts do so because they love that retailer, but their incentive for keeping the card comes from the benefits they receive from being an account holder.
Comenity Bank says they work with many of the nation’s most popular places to shop to create credit programs for their customers which help keep their customers happy and loyal to their brand.
In pursuing this goal, they have successful backed over 28 million store credit cards or accounts, and their website says they continue to work hard to make sure their credit programs are clear, easy to use, and easy to manage.
If you have a Comenity backed account, you can use their website to manage your account, as well as utilize the other helpful tools available on their website for your own personal benefit.
They provide articles which address financial health, both from the angle of providing their customers with general tips and guidelines for promoting good finance and more specific articles that focus on having and maintaining good credit.
Customers who have issues, questions, or complaints can contact Comenity Bank directly at one of their customer service phone numbers, depending on the nature of the issue they are seeking help with.
You can also contact the company by mail at their address in Columbus, OH or with a simple email submission directly through their website if your issue is not urgent and you have no need to speak to someone directly.
If you have experience with this company or their services, please leave your Comenity Bank reviews below.
4 ‘Comenity Bank’ Reviews
Terrible Customer Service
This Bank issues credit cards and charges a $49.00 fee if you simply apply for a card. Even if you never activate or use the card they still refuse to waive this fee if you request the waiver after 30 days from your application acceptance. You have to pay for something you never used and did not activate.
Very Poor way to attract new customers.
No account with Comenity but they continously use phone to harass me even after they were communicated with
Comenity continously call my work phone for collections even though I have never had an account with them. When I communicated with them (which was extremely difficult and time consuming) they essentially told me there was nothing they could do about the calls until someone paid the account.
Since I have never had any business dealing with I have no liability to pay whatsoever. However, they "undertone" that was used was that if i wanted the calls to stop, I would have to pay the account even though it was not a committment that I made.
They also tried to get my SSN, presumabable so that they could report the credit issue on my account.
Be very careful dealing with this business as my dealing s with them indicate that they have extremely low business ethics.
Poor customer support
As a credit card, they work fine. No big deal there. However, when I had a recent issue and needed to speak to a real human the trouble began. Their phone line was an endless running voice tree that ultimately disconnects you. Nearly impossible to get a real, live, breathing, English speaking, knowledgeable, and friendly human on the line. If that is important to you, you may want to look elsewhere.
Comenity Bank promotes ID theft
Comenity calls itself a small bank when it is investigating fraud, yet it handles 28 million credit card accounts according to this article. It grants credit online to ID thieves easily and does little to help the victim afterward. It does not accept blame for its part in the fraud, but points its finger at the police and at the credit reporting bureaus. Boycott the businesses who use Comenity and you will help millions of ID fraud victims.