What Is the 800-395-5714 Charge from Comenity Bank on Your Statement?

What Is the 800-395-5714 Charge from Comenity Bank on Your Statement?

If you see COMENITY PAY along with 800-395-5714 on your credit card or bank statement, it is typically a payment related to a store-branded credit card issued by Comenity Bank. The number 800-395-5714 is Comenity’s customer service line and is embedded in the transaction descriptor to help cardholders identify the charge.

A common full descriptor looks like:
COMENITY PAY [XX] WEB PYMT 800-395-5714

If you have any retail store credit card issued by Comenity (now operating under Bread Financial), this charge is usually legitimate.

What Is Comenity Bank?

Comenity Bank, now part of Bread Financial after its 2022 rebrand, is a major issuer of co-branded retail credit cards.

It provides credit cards for more than 150 retail partners, which is why you may see “Comenity” or “Bread Financial” instead of the actual store name on your statement. The rebrand has caused some confusion, but both names refer to the same underlying issuer.

Why the Phone Number Appears in the Charge Descriptor

The phone number 800-395-5714 is included in the transaction description so cardholders can quickly identify the source of a payment.

This is especially useful because Comenity often uses abbreviated store codes instead of full merchant names. Since those codes (like “NS” or “OH”) are not intuitive, Comenity adds its support number directly into the descriptor to help customers trace the charge back to the correct account.

What Does “COMENITY PAY NS WEB PYMT” Mean?

The full descriptor breaks down like this:

• COMENITY PAY = Comenity’s payment processing system
• NS / OH / IL / SB / VI (etc.) = internal store or program identifiers
• WEB PYMT = payment made online through a website
• PHONE PYMT = payment made over the phone with customer service

These codes do not directly name the retailer, which is why the phone number is included for clarity.

Which Retail Stores Use Comenity-Issued Credit Cards?

Comenity (Bread Financial) issues store credit cards for many major retailers, including:

• Victoria’s Secret / PINK
• Ulta Beauty
• Wayfair
• Lane Bryant
• Ann Taylor
• J.Crew
• Eddie Bauer
• Williams-Sonoma
• Pottery Barn

This list can change over time as partnerships evolve. Because of that, the most reliable way to identify the charge is often by contacting Comenity directly.

Is This Charge Legitimate?

In most cases, yes—if you have any active store-branded credit card issued by Comenity (or previously enrolled in autopay or minimum payment processing), this charge is likely legitimate.

It can also appear if:

• You have an older store card you forgot about
• Automatic payments were set up previously
• A household member used a linked card

If you do not have any relationship with a Comenity-issued store card, then further verification is needed.

How to Identify Which Store Account Was Charged

The fastest way to identify the charge is to call 800-395-5714. Comenity representatives can look up the transaction and tell you exactly which store account it came from.

You can also:

• Search your email for payment confirmations from store card issuers
• Check old store credit card accounts you may have forgotten
• Review autopay settings in any retail credit card portals

Because multiple brands use Comenity, direct lookup is often the only way to confirm the exact source.

How to Stop or Cancel Automatic Comenity Payments

To stop recurring payments:

• Log into the specific store credit card account
• Go to Payments or Account Settings
• Disable AutoPay or scheduled payments

Alternatively, you can call 800-395-5714 for assistance identifying and managing the payment.

If you want to fully close the account, you must contact the specific store credit card’s customer service directly, as Comenity handles multiple brands separately and account closure is done at the issuer level.

How Slash Helps Track Store Credit Card Payments

Slash is a business banking platform that can help identify all COMENITY PAY variants, regardless of their two-letter code, and automatically categorize the expense to the correct vendor and expense line. This is possible thanks to our integrated financial dashboard, which allows real-time tracking of your company's cash flow.