Comenity Bank Customer Service
Phone Number & Contact Info
Q:
How do I talk to a live human at Comenity Bank?
A:Say "Speak to a person"; either enter a/c # or, if no a/c #, keep repeating "Speak to person" until system puts you through. For Gardner White credit cards. You can also use our free service that can talk to Comenity Bank for you and report back. Q:
Does Comenity Bank offer 24 hour customer service?
A:Not at this number; hours here are Mon-Sat 8am-9pm EST. The least busy day is Saturday, and the most busy day is Friday. If the call center is closed, you can schedule a call. Q:
How long will I wait on hold?
A:The average hold time is 10 minutes. The longest hold times are on Wednesday, and the shortest are on Monday. You can skip the hold time for free. How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Comenity Bank below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Comenity Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Say "Speak to a person"; either enter a/c # or, if no a/c #, keep repeating "Speak to person" until system puts you through. For Gardner White credit cards
Below are some clips we've found from Comenity Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thank you for contacting the consumer support group for Comenity and Comenity Capital Bank.
To create a better customer experience, we recently enhanced our menu.
Please select from one of the following options.
Press one for peer one.
Press two to enter a representative's extension Press three if you are inquiring about a recent payment deduction from your bank account."
Excerpt from a call with Comenity Bank
Saturday, January 6, 2024 5:28 PM
They may ask you to enter information with the dial pad
"Thank you for contacting the consumer support group for Comenity and Comenity Capital Bank.
To create a better customer experience, we recently enhanced our menu.
Please select from one of the following options.
Press one for peer one.
Press two to enter a representative's extension Press three if you are inquiring about a recent payment deduction from your bank Please enter the seven digit extension number of the party you wish to speak to."
Excerpt from a call with Comenity Bank
Wednesday, February 14, 2024 3:27 PM
The first phone menu
"Thank you for contacting the support group for Comenity and Comenity Capital Bank.
To create a better customer experience, we recently enhanced our menu.
Please select from one of the following options.
Press one for peer one.
Press two to enter a representative's extension.
Press three if you inquiring about a recent payment deduction from your bank account.
Press four if you have any questions related to PayPal, Press five if you need to report fraudulent activity."
Excerpt from a call with Comenity Bank
Monday, June 3, 2024 10:04 PM
After you press 4
"Thank you for calling PayPal Credit.
For questions related to your PayPal credit account, press one.
If you're calling regarding your PayPal account and your inquiry is not related to PayPal credit, press two."
Excerpt from a call with Comenity Bank
Saturday, January 6, 2024 2:19 AM
What are the hours and when should I call?
Comenity Bank operates the call center for this 800-675-5685 phone number Mon-Sat 8am-9pm ET. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 967 calls made in the last 90 days using our free, web-based phone (see above).
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, it will automatically wait until the Comenity Bank call center opens before trying to call. It will ask your permission before it places the call, so you can also further delay that scheduled call until you are ready. But that means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Comenity Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Comenity Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Comenity Bank is Saturday. The most busy day to call is Friday, which averages 93% more phone calls by comparison. Again, this is based on a sample of 967 calls made with our AI-powered, web-based phone in the last 90 days.
- Mon
- Tue
- Wed
- Thu
- Fri
- Busiest
- Sat
- Quietest
The shortest wait on hold
We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Wednesday.
The best time to call Comenity Bank
In summation, the best day to call Comenity Bank is Thursday.
Why Customers Call Comenity Bank
If you have time to do a bit of reading before you call Comenity Bank, we recommend you read over some of our problem-specific articles.
What are the fees associated with my Comenity Bank credit card?
Comenity Bank offers a range of credit cards, each with its own set of terms and conditions regarding fees. The specific fees associated with your Comenity Bank credit card will depend on the type of card you have and the agreement you have entered into. However, common fees that may apply include annual fees, late payment fees, and foreign transaction fees. It is important to review the terms and conditions specific to your credit card to understand the fees that may be charged. You can find detailed information about the fees associated with your Comenity Bank credit card in the credit card agreement provided to you at the time of application or by logging into your online account.
What are the available payment options for my Comenity Bank credit card?
Comenity Bank offers multiple payment options for your convenience. You can make payments on your Comenity Bank credit card through their online portal, accessible through their website. The online portal allows you to set up automatic payments, schedule one-time payments, and view your payment history. Alternatively, you can also make payments by mail. Simply send your payment to the address specified on your monthly statement. Additionally, you can make payments over the phone by calling the customer service number provided on the back of your credit card. Comenity Bank also offers the option to make payments through a third-party bill payment service. For further assistance or any specific questions regarding payments, please reach out to their customer service team.
Top Comenity Bank customer service problems
Click the link above to get answers to just about any Comenity Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Comenity Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Updating debit card information: "The reason why I'm calling is my debit card has changed."- From a call lasting 8m 41s , Jun 25, 2024 8:41 PM
Credit limit decrease: "My credit limits were lowered on my Comenity Bank credit cards."- From a call lasting 2m 56s , Jun 6, 2024 12:17 PM
Account inquiry: "I was calling about my bank claim with Calumity for Smile Care."- From a call lasting 3m 32s , Jun 3, 2024 10:04 PM
Issues with card delivery: "I applied for a card, but it was sent to an old address, making it hard to make a payment."- From a call lasting 12m 38s , Apr 26, 2024 4:46 PM
Account information update request: "I have an account with Community and my banking information has changed, I wanted to update it."- From a call lasting 8m 39s , Apr 2, 2024 8:53 PM
More Comenity Bank Customer Service Contacts
There are of course other ways to contact Comenity Bank customer service besides the phone. Below we list the best ones, by medium.
Comenity Bank Customer Help Desk / Web Support
As a last, sometimes only, resort- Comenity Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Comenity Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Comenity Bank agent. This phone number is Comenity Bank's best phone number because 46,092 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-675-5685 include Refund or Suspicious Charges, Update Account Information, Change or cancel your account, Payments/Payment Arrangements, Recover Account and other customer service issues. The Comenity Bank call center that you call into has employees from Ohio and is open Mon-Sat 8am-9pm ET according to customers. In total, Comenity Bank has 1 phone number. It's not always clear what is the best way to talk to Comenity Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Comenity Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Comenity Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.