Comenity Bank Customer Service

Phone Number & Contact Info

Comenity Bank's Best Phone Number

800-675-5685
Toll-free·Calls Customer Service·Most popular Comenity Bank number
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
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 Wednesday.
Q:

How long will I wait on hold?

A:The average hold time is 9 minutes. The longest hold times are on Monday, and the shortest are on Wednesday. How is this calculated?

How do I get through the phone menu to a live person?

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 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.
Press four if you have any questions related to PayPal."
Excerpt from a call with Comenity Bank
Friday, April 26, 2024 11:08 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 Tuesday. This observation and the following section are based on analysis of a sample set of 701 calls made in the last 90 days using our free, web-based phone (see above).
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 Wednesday, which averages 87% more phone calls by comparison. Again, this is based on a sample of 701 calls made with our AI-powered, web-based phone in the last 90 days.
Mon
Tue
Wed
Busiest
Thu
Fri
Sat
Quietest

The shortest wait on hold

We measured the shortest hold times to be on Wednesday. The longest wait in the queue on average occurs on Monday.

The best time to call Comenity Bank

In summation, the best day to call Comenity Bank is Tuesday.

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.

How Do I Get an Extension on My Bill with Comenity Bank?

If you need an extension bill with Comenity Bank you may need to ask for it from the customer service team with these helpful tips.

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?
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
Unrecognized urgent calls: "I keep getting calls from the bank that it's that I urgently have to contact you."
- From a call lasting 11m 21s , Apr 1, 2024 5:05 PM
NFL credit card cancellation: "They canceled my NFL credit card because I didn't use it."
- From a call lasting 1m 56s , Mar 22, 2024 3:24 PM
Payment due date inquiry: "I want to know when my payment is due."
- From a call lasting 6m 34s , Mar 19, 2024 11:38 PM
Payment discrepancy: "I thought I paid off my k jewelers account, but my statement says I owe three dollars."
- From a call lasting 3m 30s , Mar 18, 2024 6:34 PM
Report fraudulent activity: "I want you to report it as fraud as the underneath the date is February twenty eighth twenty twenty four."
- From a call lasting 6m 36s , Mar 11, 2024 4:48 PM
Inquiry about credit report: "I found you on my credit report, so I was wondering what business did I have with you."
- From a call lasting 4m 2s , Mar 9, 2024 2:46 AM
Hardship program payment plan: "I was placed on a hardship program but never received the scheduled payment plan for my combined accounts."
- From a call lasting 5m 42s , Feb 29, 2024 6:23 PM
Requesting credit card reconsideration: "I wanted to do a written letter of reconsideration for the bank to see about getting a credit card."
- From a call lasting 7m 26s , Feb 23, 2024 2:45 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

comenity.net - Customer Service
Online customer service submission form
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.

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