What Is Comenity Pay OH Web Pymt On Your Bank Statement?

Comenity Pay OH Web Pymt

Have you ever looked at your bank statement and wondered about a charge labeled Comenity Pay OH Web Pymt? You’re not alone. This charge can appear mysterious, but it’s quite common. 

Being aware of the charges listed on your financial statement. It helps you keep track of where your money is going and ensures that you’re not being incorrectly charged. It’s also a key step in spotting any fraudulent activity on your account.

In this article, we’re going to explain what this charge is and why it might show up on your statement. So, let’s dive in and demystify “Comenity Pay OH Web Pymt.

What is Comenity Pay OH Web Pymt?

Comenity is a company known for providing credit card services to many retail stores. When you shop at certain stores and choose to use their store credit card, Comenity is the company behind the scenes handling these credit card transactions.

In 2022, Comenity and another company called Alliance Data Systems underwent a big change. They merged and rebranded themselves as Bread Financial. Think of it like two ingredients coming together to bake something new in this case, a larger financial services company.

Bread Financial isn’t just about credit cards. They offer a variety of financial services, which include personalized payment options, lending (like giving loans), and savings programs. Their goal is to make financial transactions, especially digital ones, more tailored to individual needs.

Common Sources of the Charge

Many popular stores partner with Comenity for their credit card services. Some of these include:

  • Victoria’s Secret/Pink: Known for lingerie and beauty products.
  • The Children’s Place: A go-to for kids’ apparel.
  • BJ’s Perks: BJ’s Wholesale Club’s rewards program.
  • Ulta: A favorite for cosmetics and skincare products.
  • Forever 21: Trendy clothing and accessories for young adults.

How These Charges Appear on Statements?

When you use a store credit card from any of these retailers, the charge on your bank statement might not directly mention the store’s name. Instead, you’ll see something like “Comenity Pay OH Web Pymt.” This is because Comenity manages the credit card transaction.

Why Does This Charge Appear on Your Statement?

Legitimate Transactions with Comenity Credit Services:

If you have a credit card from a store that partners with Comenity, such as Victoria’s Secret, Ulta, or Forever 21. In that case, any purchases you make with that card will show up as Comenity Pay OH Web Pymt on your bank statement.

This happens because Comenity is the financial institution handling these credit card transactions. They manage the payment process, so when you use the store’s credit card, Comenity records the transaction under their name, not the store’s.

Possibility of Fraudulent Charges:

Sometimes, you might see Comenity Pay OH Web Pymt on your statement even if you don’t remember purchasing with a store’s credit card. This could be a sign of fraudulent activity.

Early indications of fraud include charges for amounts you don’t recognize, transactions from stores where you don’t have a credit card, or multiple charges in a short period.

If you see something suspicious, it’s important to act quickly. Check if someone else in your household might have used the card or if there’s a mistake. If not, it could mean someone else has access to your card details.

How to Contact Comenity (Now Bread Financial)?

To get in touch with Comenity, which is now part of Bread Financial, you can use the following contact information:

  • Customer Support Phone Number: 888-332-4728
  • Mailing Address: PO Box 183003, Columbus, OH 43218, USA.

For specific inquiries related to Bread Financial’s services, you can visit their website. The URL is usually provided on the back of your credit card or your monthly credit card statement.

When calling for customer support, be prepared with your account information to facilitate a smooth and efficient service experience. They can assist with inquiries regarding charges, account management, reporting fraud, and more.

The customer support line for Comenity/Bread Financial is typically available 24/7. This ensures that you can reach out for assistance at any time, which is particularly important for urgent matters like reporting suspected fraud.

Companies Using Comenity/Bread Financial Services

Comenity, now part of Bread Financial, provides credit card services to a wide range of retail companies. Here’s a comprehensive list of some notable companies that partner with them for their credit card services:

  • Fashion and Apparel:
    • Victoria’s Secret/Pink
    • Forever 21
    • The Children’s Place
    • Lane Bryant
    • Express
    • Torrid
  • Beauty and Cosmetics:
    • Ulta Beauty
    • Bath & Body Works
  • Jewelry:
    • Kay Jewelers
    • Zales
    • Jared
  • Home Goods and Furnishings:
    • Pottery Barn
    • West Elm
    • Williams Sonoma
  • Electronics and Appliances:
    • Best Buy
  • Specialty Retailers:
    • GameStop
    • BJ’s Wholesale Club
  • Health and Wellness:
    • CareCredit (healthcare financing)
  • Others:
    • Overstock.com
    • Wayfair

The partnerships span various sectors, offering customers the convenience of store-branded credit cards with benefits and rewards tailored to the specific retailer. Each of these credit cards is designed to enhance the shopping experience at the respective stores, often providing exclusive offers and perks to cardholders.

Frequently Asked Questions

What kind of company is Comenity?

Comenity Capital Bank functions as a financial institution, providing a range of services such as savings and checking accounts, cards, loans, insurance, and online banking. It caters to clients across the United States.

What are the benefits of using a Comenity-issued store credit card?

These cards often offer special rewards, discounts, and exclusive offers related to the specific retailer.

Is Bread Financial the same as Comenity?

Yes, Bread Financial is the new name for the merged entity of Comenity and Alliance Data Systems.


Recognizing and understanding charges like Comenity Pay OH Web Pymt on your bank statement is crucial for effective financial management. These charges represent transactions made with credit cards provided by Comenity/Bread Financial, a significant player in the retail credit industry. 

By being able to identify such charges, you can ensure that your spending aligns with your financial records, and you can quickly detect any discrepancies or fraudulent activities. Regularly reviewing your bank statements, being aware of where your credit cards are being used, and understanding the entities behind these transactions are all part of a sound financial strategy. 

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