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Comenity Bank complaints

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PO Box 182273
Columbus, OH 43218 | Get Directions

(866) 776-9859

http://www.comenity.net

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Total Amount in Dispute:
$46,510.00

Total Amount Settled:
$0.00

Complaint Experience

Complaint Resolution Index (CRI)

Complaint Resolution Index (CRI) Explained The Complaint Resolution Index (CRI) is an indicator on how responsive a company is in addressing and resolving customer complaints brought to their attention by BCA. If they are considering doing business with the company, consumers can use this indicator to forecast the likelihood of having their issues addressed if a problem arises. CRI measures the company's customer satisfaction abilities through BCA’s complaint mediation process.

A variety of factors are considered when calculating CRI. This includes how quickly a company responds to complaints, the number of complaints against a company, whether the company addressed complaint allegations, and the outcome of the complaints. CRI is just a subset of the overall rating for the company. Consumers are encouraged to take into consideration the company's CRI, their overall BCA letter rating and other relevant information about the company so they can make a well-informed purchasing decision.

BCA's Summary and Analysis:

Our complaint history for this company shows that the company responded to and gave proper consideration to some complaints. However, most complaints are unresolved meaning the company failed to properly address the complaint allegations or their response was inadequate.

Complaint Closing Statistics

36 complaints against Comenity Bank closed in last 3 years.

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
5	Agreed to make an adjustment
4	Refusing to make an adjustment
19	Refuse to adjust, relying on terms of agreement
8	Unanswered

36 complaints against Comenity Bank

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8/12/2026

RESPONSE: Complaint was not answered Amount in Dispute: $548.42 Amount Settled: $0.00

Customer Complaint

7/17/2026

Bread rewards keeps charging a credit card which I paid off for insurance in Bristol Va. Which I no longer have. Thank you. Resolution Sought No more charges on this card

2/3/2026

RESPONSE: Complaint was not answered Amount in Dispute: $2,412.92 Amount Settled: $0.00

Customer Complaint

1/8/2026

I first applied for my account on 10/24/2023 for the amount of 3,100.00. I had fallen behind on payments and accumulated debt that I have been working to pay off. Now I am only left with this account to pay off, when I called to make a payment they told me that my promotional plan expired 10/25/25. That brought my account balance to a whopping $4,376.78. I was not made aware of this previously and had no idea it was a promotional plan when I signed up. I would happily have payed off the remaining $2,000 on my account then and there but they would not settle for less than over $3,000 since the promotional plan expired. But I was never made aware of that! Resolution Sought I would like to settle for $2,000 period.

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