We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.
Better Business Bureau®
Resources for Businesses
Better Business Bureau
          Share

          Find a Location

          Comenity Capital Bank has 40 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.

            Please enter a valid location.

            Business ProfileComenity Capital 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:
            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

            Contact Information

            3095 Loyalty Cir., Building A

            Columbus, OH 43219-3673

            Get Directions
            Visit Website
            (855) 506-2496

            Customer Reviews

            1.08/5

            Average of 529 Customer Reviews

            Read ReviewsStart a Review

            Customer Complaints

            2,499 complaints closed in last 3 years

            574 complaints closed in last 12 months

            Read ComplaintsFile a Complaint

            BBB Rating & Accreditation

            BBB accredited businessA+

            Accredited Since: 11/19/2023

            Years in Business: 21

            Customer Reviews are not used in the calculation of BBB Rating

            Overview of BBB Rating

            Related Categories

            Overview

            Comenity Capital Bank, a wholly-owned subsidiary of Bread Financial Payments, Inc., provides branded private-label, co-branded credit cards, and proprietary credit cards to consumers of various retail establishments, buy now/pay later installment payments, debt consolidation, and savings accounts and certificates of deposit products and services.


            The scope  of this BBB Business Profile concerns Comenity Capital Bank.

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

             

            Products & Services

            Comenity Capital Bank, a wholly-owned subsidiary of Bread Financial Payments, Inc., provides branded private-label, co-branded credit cards, and proprietary credit cards to consumers of various retail establishments, buy now/pay later installment payments, debt consolidation, and savings accounts and certificates of deposit products and services.

            Business Details

            This is a multi-location business.

            Find a Location

            Comenity Capital Bank has 40 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.

              Please enter a valid location.
              Location of This Business
              3095 Loyalty Cir., Building A, Columbus, OH 43219-3673
              BBB File Opened:
              11/29/2006
              Years in Business:
              21
              Business Started:
              4/2/2003
              Accredited Since:
              11/19/2023
              Alternate Business Name
              • Boot Barn
              • Michaels
              • Midas Credit Card
              • Academy Sports + Outdoors
              • Bread Financial American Express Cashback
              • Comenity Capital Bank a wholly-owned subsidiary of Bread Financial Payments, Inc.
              • Explorewards Visa
              • Bread Financial Payments, Inc.
              • Bread Financial Holdings, Inc. - Parent Company of Bread Financial Payments, Inc. - Parent Company of Comenity Capital Bank
              • Build.com ((credit accounts handled by Comenity Capital Bank)
              • IKEA (credit accounts handled by Comenity Capital Bank)
              • Floor & Decor
              • Vacation Club
              • DentalFirst Financing
              • Comenity Direct
              • Barneys New York (credit accounts handled by Comenity Capital Bank)
              • C21 Status (Century 21)
              • Comenity Direct
              • Dwolla
              • Sally Beauty Rewwards credit card
              • Famous Footwear
              • Alpheon
              • Sportsman's Warehouse
              • Carter's
              • Account Assure
              • B&H Payboo Credit Card
              • Bread Financial
              • Bread Savings Account
              • AAA Travel Advantage Visa
              • Appliances Connection
              • Sephora
              • Big O Tires
              • Bread Cashback American Express Card
              • 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)
              • 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)
              • 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)
              • 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 Pay Credit Accounts
              • 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)
              • Taylor Rental Credit Card (credit accounts handled by Comenity Capital Bank)
              • 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)
              • 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
              • Valliani (credit accounts handled by Comenity Capital Bank)
              • The Home
              • 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)
              Business Management
              • Mr. Ron Ostler, Senior Vice President
              • Ms. Kelly Tuthill, Risk Manager
              • Ms. Andrea Moss, President
              • Ms. Stephanie Gram, Sr. Director, Complaints Management
              • Mr. Bruce Bowman, President
              • Mr. Greg Opincar, CFO
              • Mr. Mark Williams, Complaints Management Manager
              • Mr. Baron Schlachter, President
              • Mr. Robert Kashtan, General Counsel, Assistant Secretary
              • Mr. Tom McGuire, CFO
              • Ms. Kristin Lowery, Chief Information Security Officer
              • Ms. Amanda Foor, Chief Compliance Officer
              • Mr. Glen Segrato, Secretary
              • Mr. Ralph J Andretta, CEO
              Contact Information

              Principal

              • Ms. Andrea Moss, President
              • Mr. Baron Schlachter, President

              Customer Contact

              • Ms. Stephanie Gram, Sr. Director, Complaints Management
              Additional Contact Information

              Website Addresses

              Read More Business Details and See Alerts

              Customer Complaints

              2,499 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

              11/12/2024

              Complaint Type:
              Billing Issues
              Status:
              Answered
              I contacted ******* recently regarding my payment that was coming due, I stated to the agent that I could not make my payment by the due date. She said that they could waive the late fee, while I make the payment, but I was not told that my account would be closed. I called sephora on 11/10/24 about an issue on the app and I was informed that my account was closed. I never requested my account to be closed, now I have this on my credit as if I had this account closed. I was planning to make my payment so that I could continue using my Sephora card, now that is not possible. I called Sephora several times to be transferred in circles with no help, I also was hung up on twice. **************** has not explained to me why my account was closed or can I even talk to someone who will not drop the call. This is unacceptable and I am not happy with Sephora Comenity card services.
              Read More
              Read 2498 More Complaints

              Customer Reviews

              529 Customer Reviews

              What do you think? Share your review.

              How BBB Processes Complaints and Reviews

              Start a Review

              Most Recent Customer Review

              Larry P

              11/14/2024

              Speaking to the Comenity ************************************* is like talking to a machine. No empathy or attempt to resolve a customer concern. Our on-time payment was ************************ to the wrong account, resulting in a late fee. We called to request the fee be removed since we made the payment by phone as soon as we discovered the error. They offered a token fee adjustment of $15 but refused to address the majority of the charge. We have additional accounts with Comenity through other merchants but now plan to close them all and let the merchants know that Comenity is the reason - and why those merchants are losing our business.
              Read 528 More Customer Reviews

              Local BBB

              BBB of Central Ohio

              More Info on Local BBB

              BBB Reports On

              BBB reports on known marketplace practices.

              See What BBB Reports On

              BBB Business Profiles may not be reproduced for sales or promotional purposes.

              BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

              When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

              BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

              As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.