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.Our free phone can also navigate phone menus to get a live human at Comenity Bank for you.
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.Schedule a call when the call center is open and when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 2 minutes and 1 second.The longest hold times are on Thursday, and the shortest are on Wednesday.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 Wednesday.This observation and the following section are based on analysis of a sample set of 1,765 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Comenity Bank at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. 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 113% more phone calls by comparison.Again, this is based on a sample of 1,765 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 Wednesday.The longest wait in the queue on average occurs on Thursday, which is 199% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Comenity Bank is Wednesday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Comenity Bank staffs up on Wednesday to handle the higher call volume, and that makes it the best time to call.
Calling Comenity Bank is really only meant for people who have already gotten a card through one of Comenity's companies. If you don't already have an account, there's really not a lot this number can or will do for you. When I called, I was asked for the company through Comenity that I was trying to reach, and I opted for Pier 1 and its rewards program.
Upon doing so, I was first asked to provide my 16 digit account number, something I did not have available. I said that I didn't have one, and I was then asked to identify myself by providing my Social Security number. I was unwilling to give out this information, so the system finally moved on to going through the motions of trying to connect me to a representative.
I say going through the motions because there was actually nobody available to take my call. When the system tried to connect me to someone, it said that all representatives were busy assisting other customers and that I would need to try back again another time. I was not given the chance to wait for someone to answer my call after a hold time, given an opportunity to work with the automated system or asked if I would like to hold my place in line. The system simply decided that I would be ending the call then and there, and did so.
Based on this, it's hard to gauge how effective the customer service is. It might be really good for people who already have an account, but it does not make a good first impression to potential customers. Based on this experience, I would not use this number if I needed to get assistance with my account.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
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.
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?
Missing payment statement: "I guess I never received a statement from them because I don't have that."
- From a call lasting 8m 31s , Jul 3, 2025 4:36 PM
Payment scheduling inquiry: "How many months am I scheduled out?"
- From a call lasting 6m 48s , Jul 2, 2025 5:10 PM
Request to reissue check: "I was just wondering if you guys can reissue the check out to me because it's actually expired."
- From a call lasting 6m 54s , Jun 7, 2025 10:01 PM
Information about why customers call Comenity Bank is extracted from issues that customers have reported to GetHuman.
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 2,628 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 Update Account Information, Refund or Suspicious Charges, Recover Account, Change or cancel your account, Payments/Payment Arrangements and other customer service issues. Rather than trying to call Comenity Bank first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. 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.
