What is it?
This is a charge made through a company called Comenity, which provides private label credit cards to stores and other businesses, coalition loyalty programs and direct marketing. Comenity is part of Bread Financial, a financial services company that offers personalized payment, lending and savings services. Comenity and Alliance Data Systems were both rebranded as Bread Financial in 2022.
People in the comments below report that the charges were from the following stores:
- Victoria’s Secret/Pink credit card
- The Children’s Place credit card
- BJ’s Perks credit card
- Ulta credit card
- Forever 21 credit card
Why this charge may appear on your card
You're likely seeing this charge because you made a payment to a business that uses Comenity for its credit cards. If you didn't make this payment, it's possible someone else did, which may be an early indication of fraud.
What can you do?
If you notice fraudulent activity on your account, you can contact Comenity's Customer Care at 1-855-823-1001. You can also review Comenity's website for frequently asked questions about fraud. Another option is to contact your bank and dispute the charges and try to recover the money.
How to contact Comenity
You can contact the company on Comenity's website.
Community Feedback
Victoria Secret/Pink Credit Card.
posted 01/07/2017 by Raquel
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Not So Much (189)
The Children's Place Credit Card
posted 11/25/2016 by Amanda L
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A withdrawal from my bank account appeared today and I do not what the charge is for. COMENITY PAY SB PHONE in the amount of $25.00
posted 07/29/2016 by Gail Bryan
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ulta credit card
posted 04/03/2018 by melissa
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BJ's Perks® Mastercard® account payment, also appears as a COMENITY PAY BH DES:WEB PYMT. It is misleading and sometimes it leads to stop payment actions that, after a period, result in damage, self inflicted to ones credit history. All because of that sleeky practice of camuflaging the real name of the Company that is charging you. Credit cards should be more straight forward and stop this nonesense!!
posted 04/16/2017 by Jaime Alfaro
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Not sure why I had a random $29.00 charge that said it was from Comenity Pay JT Web Payment. I thought I was hacked at first, so I looked on this and realized that I too have an Express Credit Card. And I did just pay the balance off which was around $200. But it threw me off because I rarely use this credit card. But more so because it was a $29.00 charge. Apparently I made the choice and clicked on minimum payment due instead of pay off the balance (which I was trying to do). And the minimum balance was $29.So not only did I pay off the remainder of my Express credit card, which has paperless billing, so at least I'm not gonna have outrageous charges later, thinking I had already paid it off in full. But this is a legit credit card payment that I made the mistake of not paying in full by clicking the wrong button. At least this was not a scam. And I'm very thankful there was a thread directed at this specific issue.
posted 04/13/2022 by Another Inquirer with answers
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I have an Express credit card and made my payment for my card and it appears as this.
posted 03/30/2022 by Dago
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made a store credit card payment.
posted 07/12/2017 by Keisha
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This Is also a Sally's beauty supply card
posted 03/28/2023 by Azel
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Transaction - COMENITY PAY IL WEB PYMT
I was traveling by car for seven hours on this charge date. I never made this ACH Debit transaction in person, on line, or at any store or gas station. I went straight from my house to my hotel, only stopping at one legit Shell gas station with a secure payment from the inside. Which populated correctly on my bank statement. FRAUD sucks!
posted 04/04/2017 by Xilla
Helpful (157)
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If you have a Forever 21 Credit Card and make a payment (for your F21 credit card bill) online using your debit card, then this transaction will show up on that same debit card's statement. Check to see how much you last paid on your credit card bill for Forever 21 and ensure amounts match. Also, it took about 3-5 days for this to show up on my debit card statement, so, although you may have made that payment a few days ago, it may not show up until now.
posted 11/28/2017 by HTP
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Frontgate, a furniture store, accepts Comenity credit cards. Now, Comenity Bank is called Bread Financial. Microsoft Bing responds that Frontgate is part of the Cornerstone Brands group, which is a subsidiary of HSN, Inc. 1. HSN, Inc. is a publicly traded company that operates as a subsidiary of Qurate Retail Group 1. Qurate Retail Group is a publicly traded company that operates as a subsidiary of Liberty Interactive Corporation 1. Liberty Interactive Corporation is a publicly traded company that operates as a subsidiary of Liberty Media Corporation 1. Liberty Media Corporation is a publicly traded company that operates as a subsidiary of Liberty Global plc 1. Liberty Global plc is a publicly traded company that operates as a subsidiary of Liberty Global Group 1." Why would Liberty Global Group 1 have so many "subsidiaries"?
posted 11/05/2023 by Jon
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Mine is Kay's Jewelers.
Comenity handles payments to a number of store credit cards. Your bank has no idea which card/store you paid (and can’t know by law) which is why the name is unhelpful. As others have said, the charge arrives at your account some days after you (or your spouse) paid it.
Which is not to say that fraud doesn’t occur. Stay vigilant, which if you’re reading this is probably the case.
posted 09/27/2022 by Tyl
Helpful (35)
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Boscov's credit card online payment
posted 09/20/2017 by Erik
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Torrid Card. Didn't see this name listed, so I thought I would add for future reference mine is a Torrid credit card payment. It took me a minute to remember I had made a payment on that card.
posted 08/18/2022 by Rachel
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COMENITY PAY OH WEB PYMT - This is a Shephora Credit Card.
posted 07/02/2021 by Maria
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Also Floor & Decor CC had payments with this name
posted 04/01/2020 by Patty
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I was concerned with this too, but it's from Kay Jewelers credit card
posted 06/05/2018
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Ours is for IKEA. The slowest processor of payments in the known universe.
posted 01/04/2023 by Whoops
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This charge was from my Ulta Card
posted 08/13/2021 by mo
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When paying Ulta credit card you will see this come across as the person paid.
posted 01/10/2017 by C. Cook
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Mine was for smile direct care credit card.
posted 06/10/2020 by Nucole
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New York & Company Credit Card
posted 02/05/2020 by Lyn
Helpful (46)
Not So Much (62)
A charge for $21.58 from checking acct. I'm 70 yrs old and dont need this out of acct. Contacting fraud dept at my Chase bank.
posted 10/13/2021 by Barbara A Arredondo
Helpful (37)
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I have this charge on my account as well and I couldn't figure it out till I was reading through this list. Turns out that mine was for Ikea, specifically, my Ikea Project Card. Hope that helps!
posted 12/23/2020 by Tim
Helpful (40)
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Ulta-mate Rewards Credit Card (Ulta Beauty Store CC). By the way, the company will not see any of your comments here, this is a website that helps you find what the charge is for and gives you resources in case you were scammed. The comments complaining about the charge, while I definitely feel your pain, are a waste of your time. Call your bank or Comenity.
posted 02/01/2019 by Jordie
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Kays Jeweler uses this format.
posted 04/03/2019 by JP
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Mine is an Ulta Mastercard payment
posted 02/25/2021 by LF
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I was reading the comments. Some are very helpful. Others seem to think this is the credit card bank site or something. Name calling and demanding refunds. Kind of strange. Anyway. This is not a credit card charge. It is a payment to a credit card. You can dispute the charge at your BANK. Comenity has to have your bank information to withdraw money. Call comenity. If they can't explain the charge then go to your bank and request a stop payment. You can always close your bank account. It is possible to stop payments. Coming to this website to complain isn't going to help stop the charges. Good Luck everyone.
posted 07/11/2018 by Judy
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Comenity Pay is also Floor and Decor credit
posted 03/19/2021 by Bob
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For me, it was a Talbots store card
posted 07/24/2018 by Matthew Brada
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Mine was for IKEA
posted 02/13/2019 by Ikea
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This was my Marathon bill... They need to insist that the Bank correct their descriptor.
posted 05/31/2018 by That guy
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Sephora credit card
posted 12/10/2019 by Tia the MUA
Helpful (44)
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Here is what showed up on my checking account that had me baffled. ACH TELSINGLE PXXXXX COMENITY PAY OH PHONE PYMT.... It was for an even $50.00. I didn't remember making any charge/payment toward my card for this amount. After going through paperwork, previous bills and looking online at different possible accounts, I finally found that it was a payment that was made to my Gamestop cc after I was called and spoke to someone whose english was not all that understandable. What threw me is other payments I have made to my Gamestop cc has shown up on my account with "Gamestop" somewhere in the charge. This time it didn't. I would be nice if somewhere on the charge in my account it would have at least a clue of what and where the charge was made out to.... Hope this helps!
posted 10/16/2017 by Drew
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Venus store credit card
posted 06/14/2018 by brandi
Helpful (53)
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I have a withdrawal on my account and I didn't shop at any places listed what the hell is this? $34 for something I didn't even use my card. This is fraud I'm calling to get my damn money back
posted 09/01/2017 by Sam
Helpful (56)
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Comenity has been sporadically taking money out of my checking account since 2016. I just did an account search using the name "Comenity", and I have been printing pages and pages of fraudulent activity all morning long....I have not idea how they linked their organization to my checking account; I haven't used any of the credit cards listed above.According to my bank, I need to speak to someone at Comenity to get them to stop stealing from me....and the bank will return my money.How fair is that to the bank?Comenity should be held liable for stealing from ALL of us!
posted 02/02/2018 by ljc
Helpful (63)
Not So Much (95)
My charge was from my Ulta Store Card
posted 04/03/2018 by Whitney
Helpful (61)
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Mine was for Zales Jewelers
posted 01/31/2019 by Taylor
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Not So Much (75)
Mine was for a Christopher and Banks credit card payment.
posted 07/16/2018 by Sheila
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camping world
posted 07/24/2015 by d c
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This charge is also for Lowe's Credit card payment. The payment doesn't withdraw from your account immediatlly, it takes a few days to show up on your account. I know because I have a Lowe's Credit card.
posted 01/30/2019 by JR
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I ha e an Academy Sports Credit card and it showed up like this when I payed it
posted 01/10/2020 by Aubrey Smith
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New York & Company Credit Card
posted 02/05/2020 by Lyn
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I never shopped at any store listed
posted 08/12/2017 by Adele Landini
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I have filed a police report and am turning it over to my bank investigative unit.Since you are knowingly committing and enabling bank fraud I hope you will soon be hearing from their legal department.Its only a matter of time before you are shut down.Everyone who has been hacked by your company should file a class action suit against you and boycott the companies you represent.
posted 03/15/2018 by kieth
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After checking Express Credit Card shows up on your statement like this as well... I've been thinking about going back to using a balance book like checks but with my credit cards. Because companies don't seem to use the company name for transactions and it can be time consuming and frustrating.
posted 04/10/2017 by Angela
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Charge on my banking account never heard of comity p
posted 01/16/2020 by Charles Warden
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Carson's
posted 12/04/2017 by BigDaddy
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This processor processes many different credit cards. For example:The Good Sam | Camping World Visa Cardhttps://d.comenity.net/goodsamcampingworld/
posted 06/02/2016 by KJ
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It was Smile Generation Financial which never usually comes up as this previously but this mo fh it did. I almost reported as fraudulent activity. I didnt recognize the name and date was off for my payment.
posted 03/20/2018 by Shers master of universe
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