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 receive three or more calls a day from Comenity, please contact our office for a free, no obligation consultation at 1-800-219-3577. Is Comenity Capital Bank Calling or Harassing You?

FAQs about Comenity Bank cards

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

If you owe the debt and cannot pay it, you still need to respond. This will only give Comenity Bank Debt Collection a default judgment against you.

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 alleges that Comenity Bank violated the TCPA by calling persons on their cell phones with either an automated dialing system or by an artificial or prerecorded voice message without the person's prior express consent.

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.

The US Federal Depository Insurance Corporation has punished Comenity Bank of Wilmington in Delaware and Comenity Capital Bank of Salt Lake City in Utah for deceptive practices related to the marketing and servicing of credit card "add-on products," in breach of s5 Federal Trade Commission Act.

Why is Comenity Bank calling my family? ›

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.

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.

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.

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.

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

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*

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.