800-695-2780 (2024)

FAQs

Why is Comenity Bank calling me? ›

Comenity Bank or Generic may contact you via call, text or email: If your account is past due. In response to account questions or concerns. With marketing and servicing emails.

Send a cease and desist letter: Send a written request to Comenity Bank asking them to stop contacting you. This can be done by mail or email. Once Comenity Bank receives your letter, they are legally obligated to stop contacting you.

ARE YOU RECEIVING COLLECTION CALLS FROM COMENITY BANK? If you are receiving automated collection calls on your cell phone from Comenity Bank, you have rights under the Telephone Consumer Protection Act, and could be entitled to $ 500 – $1,500 per violating call.

If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Comenity accountable. If you receive three or more calls a day from Comenity, please contact our office for a free, no obligation consultation at 1-800-219-3577.

FAQs about Comenity Bank cards

Yes, Comenity Bank is a legitimate financial institution that's been in business since 1989.

Although Comenity is usually only the second person to hold your debt, there is still the chance that they may not have the proper chain of paperwork to back up ownership. Typically when it comes to debt collectors your debt has been passed around and sold more than one time.

Was Comenity Bank hacked? A. No, we did not experience a cyber attack of any kind. The servicing issues we are experiencing are the result of a planned system update.

The Comenity Bank TCPA Class Action Lawsuit is Carrie Couser v. Comenity Bank, Case No. 3:12-cv-02484-MMA-BGS, in the U.S. District Court for the Southern District of California.

Comenity Bank is a financial services company offering credit cards, personal loans, "buy now, pay later" plans, high-yield savings accounts and certificates of deposit. The bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank.

There are a variety of reasons why a debt collector might call your family. But the most common reason is that they have not been able to get in touch with you. Sometimes a debt collector may believe that contacting your family will push you to pay off the debt.

How do I fight Comenity Bank? ›

To dispute a Comenity Bank charge, log in to your Comenity Bank account and search for the transaction to dispute, you must inform Comenity Bank of the dispute in writing. You may call customer service about the dispute at 1 (855) 823-1001, though they are not obligated to investigate unless you give a written notice.

If you default on any of your Comenity accounts, or with any of your other creditors, and you are unable to work out a solution with them, you will end up in collections. Not every creditor treats all their delinquent accounts. Even the same creditor may treat individual customers differently.

The 7-in-7 rule: Reg F stipulates that there may be no more than seven (7) calls made by a debt collector to a consumer in a span of seven (7) days. 7-in-7 rule explained in more detail here.

Comenity Bank recently underwent a brand change. It's now Bread Financial, a financial services company offering payment, lending and savings products, among others. That means if you're already a Comenity cardholder, you'll eventually see Bread Financial and its new logo replace the Comenity Bank name and logo.

It is not uncommon today for people to be pursued by debt collectors for money they don't owe. This occurs for several reasons: the original creditor may have made an accounting error, you may be a victim of identity theft, or the creditor may have found the wrong person with a similar name.

Stores that offer retail credit cards through Comenity Bank

Ann Taylor Credit Card* Welcome Rewards™ Store Credit Card (Bed Bath & Beyond)* Big Lots Credit Card* Eddie Bauer Credit Card*

Comenity Bank a wholly-owned subsidiary of Bread Financial Payments, Inc. Bread Financial Payments, Inc.