Comenity Capital Bank
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| Name: | Comenity Capital Bank |
| Concentration: | Credit-card Specialization |
| Established: | 12/01/2003 |
| FDIC Insurance: | 12/01/2003 |
| Charter Class: | Commercial bank, state charter and Fed nonmember, supervised by the FDIC |
| Website: | Savings.Breadfinancial.com |
| Total Assets: | $13,262,711,000 |
| Total Deposits: | $9,883,800,000 |
| Total Equity Capital: | $1,854,675,000 |
| Total Domestic Office Deposits: | $9,883,800,000 |
| Net Income: | $216,718,000 |
| Quarterly Net Income: | $8,000 |
| Return on Assets: | 2% |
| Return on Equity: | 11% |
| More... | |
Client Review
4 client reviews of Comenity Capital Bank scored 1 out of 5.
new customer credit card
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by a1b2c3d4, Oct. 17, 2022
Unable to set up an account for my new aaa visa card issued by Comenity Capital Bank . I was told to verify with a text message but never received the text. Comenity block any further communications with me and closed.
* this reviewer has be with this bank for <6 months
* this reviewer had >10 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
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Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby a1b2c3d4, Oct. 17, 2022
Unable to set up an account for my new aaa visa card issued by Comenity Capital Bank . I was told to verify with a text message but never received the text. Comenity block any further communications with me and closed.
* this reviewer has be with this bank for <6 months
* this reviewer had >10 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
Was this review helpful to you? Yes, No Report Abuse
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Impossible to contact
Overall Rating
Waiting Time
by NPelouze, Oct. 14, 2022
I recently had an issue where my card number was stolen and utilized while my Husband was in the hospital for over a week. I tried to use the card while on hospital grounds so that we could watch a movie together. BIG MISTAKE! Because I was not on a secure site this is why it happened. However, I went to use the card at BJ's Wholesale club on Tuesday October 4th and it was denied. Apparently your company picked up on the fraud and stopped the use of my card. That was the only good news I can say about this card. I called the number directly on the back of the card as directed to do by a BJ's customer service rep. I was on hold for 20 minutes but got in touch with a CS rep who informed me someone tried to change my address and made a couple of small purchases to places I had never heard of. She said a new card would be sent out and received in the next 3-5 business days. That would have been October 7th - 12th. I received a letter on the 12th stating "we are unable to issue you a replacement credit card at this time due to the status of your account". I have now called two times to find out why I am being denied. First call was made at 8PM on the 12th. I waited over 40 minutes to speak with someone about this issue. He listened carefully and told me I would have to talk to a different department as he could not help me. He forwarded me to that department I believe it was the fraud dept. A recorded message picked up to tell me that they were closed and I would have to call back. So I did call back yesterday the 13th at 3:30. I was on hold waiting to speak with a customer service rep for 90 ( ninety) minutes! I finally hung up as I wasted enough of my valuable time. I have never had to fight so hard with a credit card company just to at least "SPEAK" with a CS rep about my personal situation. I have a very high credit rating and ALWAYS pay my bills on time! This is ridiculous!! I wanted to save on my gasoline charges at BJ's but its not worth this aggravation!! I will be sure to let my friends know as well.
* this reviewer has be with this bank for <6 months
* this reviewer had 3 - 5 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
Was this review helpful to you? Yes, No Report Abuse
Overall Rating Waiting Timeby NPelouze, Oct. 14, 2022
I recently had an issue where my card number was stolen and utilized while my Husband was in the hospital for over a week. I tried to use the card while on hospital grounds so that we could watch a movie together. BIG MISTAKE! Because I was not on a secure site this is why it happened. However, I went to use the card at BJ's Wholesale club on Tuesday October 4th and it was denied. Apparently your company picked up on the fraud and stopped the use of my card. That was the only good news I can say about this card. I called the number directly on the back of the card as directed to do by a BJ's customer service rep. I was on hold for 20 minutes but got in touch with a CS rep who informed me someone tried to change my address and made a couple of small purchases to places I had never heard of. She said a new card would be sent out and received in the next 3-5 business days. That would have been October 7th - 12th. I received a letter on the 12th stating "we are unable to issue you a replacement credit card at this time due to the status of your account". I have now called two times to find out why I am being denied. First call was made at 8PM on the 12th. I waited over 40 minutes to speak with someone about this issue. He listened carefully and told me I would have to talk to a different department as he could not help me. He forwarded me to that department I believe it was the fraud dept. A recorded message picked up to tell me that they were closed and I would have to call back. So I did call back yesterday the 13th at 3:30. I was on hold waiting to speak with a customer service rep for 90 ( ninety) minutes! I finally hung up as I wasted enough of my valuable time. I have never had to fight so hard with a credit card company just to at least "SPEAK" with a CS rep about my personal situation. I have a very high credit rating and ALWAYS pay my bills on time! This is ridiculous!! I wanted to save on my gasoline charges at BJ's but its not worth this aggravation!! I will be sure to let my friends know as well.
* this reviewer has be with this bank for <6 months
* this reviewer had 3 - 5 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
Was this review helpful to you? Yes, No Report Abuse
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Unable to take money out of my account
Overall Rating
Interest Rate and Cost
Office Environment & Staff
Waiting Time
Other Services
by snoofle, Sep. 28, 2021
In spite of multiple requests and multiple escalations, these people cannot process a simple close-cd-and-send-me-my-money request. They require multiple layers of managers to approve your withdrawal, even after each and every contact puts you through the entire identification ordeal. Their first and second line of customer service people have no ability to get anything fixed when there is a problem. All they can do is send a message to the back office and tell you to give it a few more days and hope they're get to your issue.
Since when does ANY bank get to tell you that you can't close an account?
Either this bank is a scam, or they are set up to take your money, but impede your ability to get it back.
You have been warned - send them your money at your own peril...
* this reviewer has be with this bank for <6 months
* this reviewer had >10 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
Was this review helpful to you? Yes, No Report Abuse
Overall Rating Interest Rate and Cost Office Environment & Staff Waiting Time Other Servicesby snoofle, Sep. 28, 2021
In spite of multiple requests and multiple escalations, these people cannot process a simple close-cd-and-send-me-my-money request. They require multiple layers of managers to approve your withdrawal, even after each and every contact puts you through the entire identification ordeal. Their first and second line of customer service people have no ability to get anything fixed when there is a problem. All they can do is send a message to the back office and tell you to give it a few more days and hope they're get to your issue.
Since when does ANY bank get to tell you that you can't close an account?
Either this bank is a scam, or they are set up to take your money, but impede your ability to get it back.
You have been warned - send them your money at your own peril...
* this reviewer has be with this bank for <6 months
* this reviewer had >10 banks before.
* this review was made on Comenity Capital Bank, Comenity Capital Bank at Draper, UT
Was this review helpful to you? Yes, No Report Abuse
0 comment. Add a comment
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