Due to the program ending, your account will be closed. The credit reporting agencies may be able to answer how your credit bureau report will be impacted by this closure. Here is their contact information for your convenience.
Experian
P.O. Box 2002
701 Experian Parkway
Allen, TX 75013 - 0036
1-888-397-3742
http://www.experian.com
Trans Union
P.O. Box 390
Springfield, PA 19064 - 0390
1-800-916-8800
http://www.transunion.com
Equifax
P.O. Box 740241
Atlanta, GA 30374 - 0241
1-800-685-1111
http://www.equifax.com
Your rights under the Federal Equal Credit Opportunity Act
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G St. N.W., Washington, D.C. 20552.
FAQs
Comenity Bank or Comenity® 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.
Is there a lawsuit against Comenity Bank? ›
A TCPA class action lawsuit was filed against Comenity Bank—which owns a number of popular store credit cards like Abercrombie and Fitch, Crate & Barrel, Ann Taylor, and Victoria's Secret just to name a few—alleging the bank placed call to consumers' cell phones using an automatic telephone dialing system and/or a ...
What credit score is needed for Comenity Bank? ›
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.
What is happening to Comenity Bank? ›
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.
What does a phishing text look like? ›
Spam text or scammers sending text messages will often have numbers with 11 digits, so it's an easy thing to check before even opening a message. If in doubt, look up the number online. The message contains bad grammar. Bad spelling or grammar is usually a good sign that it may be scammers sending text messages to you.
How do you know if a bank text is real? ›
If a bank texts you, it will come from a five or six-digit “short code.” For example, Chase Bank's fraud department will only text you from 28107, 36640, or 72166 [*]. It comes from an email address that looks like your bank's address. Scammers send texts from email addresses to make them seem more legitimate.
What Bank owns Comenity Bank? ›
The bank is a subsidiary of Bread Financial, a financial services company, which recently changed its name to Bread Savings. The parent company also oversees Alliance Data Retail Services, which is also a credit card company.
Is there a breach with Comenity Bank? ›
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.
Why is Comenity Bank closing my credit cards? ›
Your Comenity Bank credit card could have been closed for various reasons, including the following: Inactivity. Your account was in default. Missed payments.
Is Comenity a good credit card? ›
The Comenity Credit Card is not the best cash-back credit card on the market, but it is an option for anyone who is not able to apply for other similar cards.
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*
Is Capital One Comenity Bank? ›
No, Comenity Bank is not owned by Capital One, it is a Bread Financial company that mostly issues store credit cards. Capital One, on the other hand, is one of the biggest banks in the U.S., offering a range of financial products and services, including credit cards, auto loans, and savings accounts.
What is the class action against Comenity Bank? ›
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.
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.
What happens if you 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.
Is Comenity Bank a legitimate bank? ›
Is Comenity Bank legit? Yes, Comenity Bank is a legitimate financial institution that's been in business since 1989.
What company uses Comenity Bank? ›
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*
Do credit card companies send text messages? ›
It's common for credit card companies or banks to offer two-step authentication—which sends a unique code via SMS, text, or email. However, those messages will not require sensitive information to access your account.
