Why is Comenity Bank Calling Me?
Why is Comenity Bank Calling Me?

Why is Comenity Bank Calling Me?

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Have you ever picked up your phone to find a call from Comenity Bank, leaving you puzzled and wondering, “Why is Comenity Bank calling me?” Receiving unexpected calls from financial institutions can stir up concerns and uncertainty. However, these calls may not be as alarming as they seem. In this guide, we shed light on the reasons behind Comenity Bank’s unexpected calls and provide essential insights to help you handle them with confidence.

What is Comenity Bank, and what services do they offer?

Comenity Bank is a financial institution specializing in credit card services. They are well-known for providing credit cards for various retailers and brands, offering exclusive rewards and benefits to cardholders.

Why do customers have accounts with Comenity Bank?

Customers may have accounts with Comenity Bank due to their association with specific retail stores or brands. When customers sign up for credit cards issued by Comenity Bank, they gain access to tailored rewards and perks related to their favorite retailers.

Is Comenity Bank a legitimate financial institution?

Yes, Comenity Bank is a legitimate and reputable financial institution. They have been operating for years, serving millions of customers with their credit card services.

Why is Comenity Bank Calling Me?

If you have received a phone call from Comenity Bank, there could be several reasons behind it. Here are the most common reasons for a call from the bank:

Credit Card Debt

Comenity Bank is known for issuing various store-branded credit cards. If you hold one of these cards and have missed payments or exceeded your credit limit, the bank may be contacting you to discuss your account status and resolve any outstanding debt.

Fraud Prevention

Comenity Bank may call you to verify account activity or transactions. This is a security measure to confirm that you are aware of the transactions and protect you from potential unauthorized usage or fraud.

Customer Service

Comenity Bank could be reaching out in response to an inquiry or request you may have submitted, such as a question about your account, a billing dispute, or a change in personal information.

Marketing Purposes

The bank might be contacting you with promotional offers, product updates, or for surveys and research purposes. If you have an account or credit card with Comenity Bank, you may have consented to receive these communications.

Account Notifications

Comenity Bank may call you with important notices about your account, such as changes in terms and conditions, fee structures, or expiration of promotional offers.

What should you do if Comenity Bank calls you?

  1. Verify Caller Identity: Do not provide personal information immediately. Ask for the caller’s name, department, and a callback number. Call the number on the back of your credit card or the bank’s official customer service number to verify the caller’s identity before sharing any information.
  2. Stay Informed: Keep track of your account activity and be aware of your financial obligations to the bank. This will help you better understand the purpose of the call and address any issues promptly.
  3. Set Up Communication Preferences: If you prefer not to receive certain types of calls from the bank, such as promotional offers, contact their customer service and request your communication preferences to be updated.

Remember always to safeguard your personal and financial information by confirming the caller’s authenticity before discussing sensitive information.

How can I confirm if the call is genuinely from Comenity Bank?

To confirm the legitimacy of the call, take these steps:

  • Request Caller’s Information: Politely ask the caller for their name, department, and a contact number.
  • Call Comenity Bank Directly: Use the official phone number from the bank’s website or the back of your credit card to reach customer service and inquire about the call.

What should I do if I suspect a fraudulent call?

If you suspect a fraudulent call, follow these steps:

  • Do Not Share Personal Information: Avoid providing any personal or account information to the caller.
  • Report the Call: Contact Comenity Bank’s customer service immediately to report the suspicious call.

How to Handle Unexpected Calls

Unexpected calls can range from harmless interruptions to intrusive nuisance calls or attempts at fraud. Here’s how to handle them effectively:

Verify the Caller’s Identity

When receiving an unexpected call, especially from businesses or organizations, don’t disclose personal information until you’ve verified the caller’s identity.

  • Ask the caller for their full name, organization, job role, and a contact number.
  • For calls claiming to be from banks or similar institutions, don’t use the number provided by the caller for verification. Instead, use the contact information available on the official website or on the back of your bank card.

Don’t Feel Pressured

Scam callers often use pressure tactics to make you act quickly without thinking.

  • Take your time.
  • Refuse to be hurried or pressured into giving out information or making a decision.

Guard Your Information

Keep your personal information private.

  • Don’t give out bank details, passwords, or other sensitive information over a call, especially if you didn’t initiate it.
  • Be wary of callers asking for security information. Legitimate organizations will usually have other ways to verify your identity.

Use Technology

To deter unwanted calls, utilize features on your phone and services from your phone provider.

  • Activate caller ID if available, to see who’s calling before you answer.
  • Register with a “do not call” service to block calls from telemarketers.
  • Consider a call-blocking app or device to block known scam numbers.

If you Suspect Fraud

If a call seems suspicious, ends it immediately.

  • Report the call to your local authorities and to your phone company.
  • If the caller claimed to represent a specific organization, consider contacting that organization (through an official, verified number) to report the call.

What if I miss a payment and Comenity Bank calls?

If you miss a payment and Comenity Bank calls, follow these steps:

  1. Be Honest: Be honest about the reason for the missed payment, and express your willingness to rectify the situation.
  2. Discuss Repayment Options: Ask about available repayment options or potential extensions to resolve the missed payment.

How can I handle calls offering special deals or rewards?

If Comenity Bank calls with special offers, consider these steps:

  1. Listen Attentively: Listen carefully to the details of the offer to understand its benefits and potential requirements.
  2. Ask Questions: Feel free to ask any questions about the offer, such as eligibility criteria or expiration dates.

Maintaining Account Security

How can I protect my account from fraud?

To protect your account from fraud, follow these precautions:

  • Use Strong Passwords: Create strong and unique passwords for your online banking account.
  • Enable Two-Factor Authentication: Opt for two-factor authentication whenever possible to add an extra layer of security.
  • Monitor Account Activity: Regularly review your account activity and report any suspicious transactions promptly.

Can I request to be added to the Do Not Call List?

Yes, you can request to be added to Comenity Bank’s Do Not Call List to reduce unwanted marketing calls. Simply contact their customer service and make the request.


Unexpected calls from Comenity Bank may initially cause concern, but they are often for legitimate reasons, such as verification, fraud prevention, or special offers. By staying informed and following the guidelines provided, you can confidently handle unexpected calls from Comenity Bank. Remember to protect your account by verifying callers and reporting any suspicious activity promptly. Stay vigilant, and maintain a secure and seamless banking experience with Comenity Bank.