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.

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. If Comenity Bank violated the law, you may be entitled to money damages and Comenity Bank will pay our fees and costs.

FAQs about Comenity Bank cards

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

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.

It is important to point out that, to the extent that Comenity Bank is an original creditor (as opposed to a third-party creditor such a debt collection agency), you wouldn't expect all that many lawsuits against them, because their agreements with their debtors almost always contain enforceable arbitration clauses, ...

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.

Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.

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.

Calling family members

Debt collectors are hired to get you to pay up the money you owe to their clients. To do this, they'll reach out to you by mail or phone to convince you to come up with the cash. But if debt collectors can't find you? Then they can contact your family members.

What happens if I don't pay Comenity Bank? ›

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 bank is a subsidiary of Bread Financial, and you will see the Comenity name on credit cards issued by the bank. The Comenity/Bread Financial portfolio of credit cards is massive, including more than 170 co-branded cards for retailers and sports teams.

You see a Comenity Bank VCTRSSEC on your credit report because you either have a Victoria's Secret Credit Card or you applied for one.

Comenity Bank uses all three major credit card bureaus (TransUnion, Experian, Equifax) for credit card approval. So, if any of your credit reports are frozen, you should unfreeze them before submitting an application for one of Comenity's credit cards.