Comenity’s earns a 1.0-star rating from 2 reviews and 221 complaints, showing that the majority of cardholders are dissatisfied with credit services.
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Card Program discontinued, all accounts closed
Went to pay my bill online as I always do, and noticed that the "available balance" was zero, even though I hadn't maxed out the card. Emailed via the website's contact link, and got a message back saying that my account had been closed, and that it had been reported to the credit reporting agencies as "closed". When I rang the Customer Service line, I was told that the Credit card program (that's right, the ENTIRE CREDIT CARD PROGRAM) for Domestications had been discontinued, so ALL customer credit accounts had been closed, although we all still must continue to pay on the accounts. My concern is the report to the credit agencies...when I asked the Domestications operator just what kind of report had gone to the agencies (since none of their customers had ANYTHING whatsoever to do with their decision to discontinue the card program) she wouldn't tell me the nature of the "report" to the credit agencies, except to say that it was reported as "closed" by WFNNB, the parent company. Typically, any account marked as "closed" by vendor is listed as a "negative" on a credit report...but it's not very fair for customers to find a negative on their credit report just because WFNNB decided to discontinue the program...and if I find a negative on my report (the account had never even been in arrears...it had always been paid, and always on time!) then I'm going to see an attorney about suing them, and about having the suit certified for Class Action, as I'm certain there are many people in the same boat. WFNNB and their parent company, Alliance Data, are hiding from their customers on this one...and I'd sure like to find SOMEONE from one or more of these entities who will be responsible to their customers for their decision, and who will tell me directly just HOW this was reported to the credit agencies. IS THERE ANYONE AT DOMESTICATIONS, WFNNB OR ALLIANCE DATA WITH THE BALLS TO CONTACT ME ABOUT THIS? If not, and if the report to the Credit Agencies is listed as a "negative" on my (and others') reports, prepare to get sued BIG TIME. NOTE TO DOMESTICATIONS CUSTOMERS FINDING THEMSELVES IN SIMILAR STRAITS...CHECK YOUR CREDIT REPORTS RIGHT AWAY!
Yes, Comenity is a legitimate credit card company that issues store-branded credit cards for a multitude of retailers.
Comenity is a subsidiary of Alliance Data Systems Corporation, a leading provider of data-driven marketing and customer loyalty solutions.
Comenity provides both co-branded credit cards, which can be used anywhere the card's network is accepted, and private label credit cards, which can only be used at the specific retailer.
Yes, as with most credit cards, there are fees associated with Comenity credit cards. These may include annual fees, late payment fees, and cash advance fees, among others. The specifics vary depending on the card.
As of my knowledge cutoff in September 2021, Comenity does not have a general mobile app. However, some of the individual store credit cards issued by Comenity may have their own apps.
Comenity offers multiple ways to pay your credit card bill, including online payments, mail payments, and phone payments.
Yes, Comenity reports to the three major credit bureaus: Equifax, Experian, and TransUnion.
Comenity can be contacted through various methods, including phone and mail. The contact details can be found on the back of your credit card and on the Comenity website.
Customer service experiences can vary. However, Comenity is known to have a dedicated customer service team available to assist with any inquiries or concerns.
The required credit score can vary greatly depending on the specific credit card. Some cards may require a good to excellent credit score, while others might be more accessible to those with lower credit scores.
For co-branded credit cards, yes, they can be used anywhere the card's network (like Visa or Mastercard) is accepted. However, private label credit cards can only be used at the specific retailer.
Applications for Comenity credit cards can typically be made online through the retailer's website or through the Comenity website. In some cases, you can also apply in-store.
Yes, many of the credit cards issued by Comenity offer various rewards and benefits, such as cash back, points, or exclusive discounts at the affiliated retailer.
Comenity, like most credit card issuers, charges a fee for late payments. It's always recommended to pay your bill on time to avoid these fees and potential damage to your credit score.
Yes, you can close your Comenity credit card account by contacting customer service. However, you should consider the potential impact on your credit score before doing so.
Overview of Comenity complaint handling
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Comenity Contacts
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Comenity phone numbers+1 (800) 675-5685+1 (800) 675-5685Click up if you have successfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (800) 675-5685 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (800) 675-5685 phone numberComenity Bank+1 (855) 506-2496+1 (855) 506-2496Click up if you have successfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (855) 506-2496 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (855) 506-2496 phone numberComenity Capital Bank
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Comenity emailsservice@comenity.net100%Confidence score: 100%Support
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Comenity addressPO Box 182273, Columbus, Ohio, 43218, United States
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Comenity social media
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Checked and verified by Nick This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 25, 2025 - View all Comenity contacts
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I have never had a comenity credit card but someone has apparently fraudulently opened an account with my information at Carter's , Ulta, and Micheal's. I have never shop at these merchants.
Server was not loading for payment and had to jump on laptop to get it to go through even though it was through a checking account. I'm displeased with this experience, and it not only affects my credit score, but future loans as well. Also, was unable to get any one on the phone beforehand to make payment or fix the issue, only automated.
Son unos ladrones descarados
Se supone que había pagado el total de mi tarjeta de ulta y después de saldarla me cobraron un inters de 2. Dólares el cual subió en tres meses a 79 dólares pues nunca mandaron cartas ni email ni mensajes de txt lo peor en tarjetas no lo recomiendo son unas 🦝🦝🦝🦝
Unable to make explorewards monthly payments via debit card. They suddenly now only except bank account and routing number. I will not comply to this change of service. Period!
I have several times called spoken with several people i am aggravated beyond measure Twice you have messed my payments and for 3 moths i have been trying to get my Zales card so i can set up a simple auto pay
PLEASE HELP!
Worst customer servicing in the banking industry. New account opened for 4mos. Closed credit line abruptly with no explanation. A ton of autodialing, calls from their account representatives. Borderline harassment. Will never use another service that this bank underwrites for.
I’ve been with them 10 years never been late got lat one hour they charged a late fee this card is bull you can never get ahead there getting rich off people it’s wrong I’m done with this card
I would like to speak to someone on the phone. I am very unhappy with commenity.
Phone [protected]
or cell [protected]
Francine Wolf
It took more than 4 months since i have filed a dispute of unauthorized charge on my Sony visa credit card , my card number is [protected] and my name is Misa Tran , my email is mickeybrown3ye@yahoo.com , please help me to contact to Comenity Bank to solve the problem , thanks
I am receiving multiple late fines for my BonTon credit card, even though I have paid it in the past. The interesting fact is that BonTon stores closed in our NJ town a few years ago, so I definitely have not used the card. The Comenity late fee was posted on January 2, 2023.