What is it?
This is a charge made through a company called Comenity, which provides stores with branded credit cards. Comenity is part of Bread Financial, a financial services company that offers personalized payment, lending and savings services.
People in the comments below report it being used by the following stores:
- Ikea 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 (or someone using your card) made a payment to a business that uses Comenity for its credit cards.
What can you do?
If you don’t recognize the charge, you can contact your bank or credit card company and dispute the charges and try to recover the money.
Community Feedback
I was unaware of the charge, based on the name. However, after conversing with my wife, I was able to connect the dots. There was a CC that she got for her hair salon, Ulta, and this is how the payment shows in our bank account. So this is a legit charge, it just shows up oddly in your bank account so it's the reason so many people question it.
posted 07/02/2018 by Josh P.
Helpful (59)
Not So Much (26)
Ikea credit card
posted 11/15/2018 by Sherry
Helpful (27)
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Yes, this is an "Ulta" charge. I was scratching my head too until I saw Josh's answer and then remember that I had just paid it off recently and it came off in my bank statement just the same way.
posted 05/31/2019 by Ingrid
Helpful (27)
Not So Much (22)
I have a charge on my bank statement with the name: Comenity pay OH Web payment for $48.75.
posted 07/12/2022 by Dorretha Barnett
Helpful (12)
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This "company" isn't a real company. They took charge from my bank account for a credit cards that I haven't had any activity. When I called they said they were comenity bank and gave me one card name they collected money for. I called a second time and they gave me another card name. Neither one is in use and have zero balances. While I am aware comenity is an umbrella company, this isn;t them.
posted 06/01/2023 by shannon
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I found out mine was for my Forever 21 CC web payment.
posted 02/07/2020 by Flipsonic
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Ralph didn't use this. Why u take this off from his bank and how do u know his account?? Please refund it as soon. Thanks!
posted 06/30/2021 by Ralph Shreeman
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I found an odd transaction and realized it was for Sephora.
posted 10/19/2022 by Laura B
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Beware of Overstock.com and Comenity Pay.My wife passed away in April 2020 and she was the only one who bought from Overstock.The next month, I paid off Overstock, Comenity Pay handles the billing, and asked both companies to close the account. I also informed Overstock that my wife had passed away and even changed her status in her account to deceased.
Two months later, Overstock charged $29.99 to the account, in my wife’s name, “to continue her membership.”
This was either a deliberate attempt to take advantage of an elderly grieving spouse, or someone was lazy and did not check the status of the account.
I was not tracking this account because I had closed it, so I was surprised when Comenity Pay contacted me a month later to tell me I was delinquent.I informed him that the charge was fraudulent and he told me that was between me and Overstock, and that I better pay or Comenity was going to tack on delinquency charges and would start wrecking my credit rating.
It took me three months of poking and prodding to get Overstock to cancel the charge.
In the meantime, Comenity Pay has been tacking on delinquency and interest charges and has managed to drag my credit rating down over 100 points, from Excellent to Good.I continue to refuse to give in to their extortion. They are attempting to get me to pay charges they have added to a known fraudulent, and now canceled charge, made on a closed account.
posted 11/06/2020 by SAMMY HUTSON
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Withdraw was made February 2 2022 with no accountability for large amount
posted 02/02/2022 by Ron
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Can you help? What is this charge?
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