Comenity Bank – Legit or Scam?

I came across a critical review of Comenity Bank on a Scam Reporting website –, titled ‘Poor Customer Service’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against Comenity Bank with a pinch of salt.

Here is what the review says –


Comenity Bank handles the retail credit card for Pottery Barn and is immensely frustrating to deal with.I’ve been a cardholder for over 10 years and today I completely lost it because I have a large “rewards” for over $2000.I applied it to an order, however the items are not being shipped until a week after my statement closing date so they said just go ahead and pay it and then you will have a credit balance?! Um, why should I be giving my cash to you so you can collect interest on it and wait for a refund when it should be deducted immediately when I make the purchase.Currently at 5 phone calls with all different customer service agents who can’t help me and just keep transferring me to “someone” who knows how to do this and “can” help me.Sweet jesus, do yourself a favor and just use an airline miles or hotel points credit card and run like hell from any of these dept. store brands.I have been satisfied up until now, but am considering closing this account after this debacle.Poor customer service. Over an hour of my time wasted and NO RESOLUTION.


In case you don’t already know (assuming you came to this page by Googling ‘Comenity Bank scam‘, or ‘Comenity Bank review‘, Comenity Bank is listed under the category Business on

Here is the rest of the contact information for the sole purpose of identification –

  • Address:
  • Phone: (800) 675-5685
  • Website:
  • Severity of Scam: High [not sure what it means]
  • Reported Loss: 3365 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity Comenity Bank was awarded 1 / 5 Stars  based on 39 Reviews.

It is difficult to ascertain whether Comenity Bank is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into Comenity Bank, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list Comenity Bank as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against Comenity Bank, please contact us immediately. If you have lost money to  Comenity Bank, together we can work to recover your loss.

Comments 3
  1. SCAM – Sephora Visa . Never applied . Called 800.675.5685 system down.
    Unable to assist and told to call back.
    Called Sephora Visa ; on hold for 40 min no answer. Called 1.866.841.5037 advised SCAM SPAM disconnected , 1.888.819.1918 dial tone questionable.

  2. Got a letter in the mail saying we needed to call to complete processing our sephora credit card application. We did not apply for this. Looks scammy to us. Same phone number as the above complaint

  3. received a letter that said to call to complete credit application for a store I dont shop at. The number to call , 866-668-5450, seemed suspicious, so i looked up comenity bank and found this scam.

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