Comenity Capital Bank

Financial Services95% confidence

Comenity Capital Bank is a financial institution that issues and services private‑label and co-branded credit cards, often for retail brands, and processes related payments such as autopay transactions.

Draper, Utah, United States
comenity.net
Owned by Bread Financial Holdings, Inc.

About Comenity Capital Bank

Comenity Capital Bank is a U.S.-based financial institution that specializes in private-label and co-branded credit cards and other consumer financing products, primarily for retail and e‑commerce brands. When you open a store-branded credit card (for example, at many major retailers), Comenity Capital Bank is often the underlying bank that issues and services that account, handles statements, and processes payments. The “COMN CAP APY F1 AUTO PAY” wording in your descriptor strongly suggests an automatic payment (autopay) related to a Comenity-issued credit card account.

A charge or entry with a descriptor like “COMN CAP APY F1 AUTO PAY P26187068317490” will typically appear when an automatic payment is processed on your Comenity Capital Bank credit card, such as a scheduled monthly payment from your checking account or debit card. The long numeric code at the end usually represents an internal reference or transaction ID. You may see this on or shortly after your due date, and it may appear as a payment (debit from your bank) rather than a purchase, even though it shows up in your transaction list similarly to regular card charges.

If you have questions about this charge, the best first step is to log in to your Comenity account (or the specific retailer’s credit card site that’s powered by Comenity) and review your recent statements and payment history to match the transaction date and amount. You can also contact Comenity Capital Bank customer service using the phone number on the back of your card or listed on your statement to confirm that the payment is legitimate, adjust or cancel autopay settings, or dispute any suspected error. Keeping records of your scheduled payments and checking email or mailed payment confirmations can help you quickly verify these entries on your bank statement.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Comenity Capital Bank.

  1. COMN CAP APY F1 AUTO PAY P26187068317490

Frequently Asked Questions

What does the descriptor “COMN CAP APY F1 AUTO PAY” mean on my bank statement?

This descriptor indicates an automatic payment (autopay) processed by Comenity Capital Bank for one of your Comenity-issued credit card accounts. The transaction is typically a scheduled payment you authorized, not a purchase at a store.

How can I confirm which Comenity credit card this auto payment is for?

Log in to your Comenity account at comenity.net or to the specific retailer-branded card website and review your recent payment history. Match the transaction date and amount with the entry on your bank statement; the reference number in the descriptor may also appear in your online transaction details.

Can I change or cancel my Comenity autopay settings to avoid future automatic charges?

Yes. Sign in to your Comenity Capital Bank (or retailer card) online account, go to the payments or autopay section, and you can edit, pause, or cancel your automatic payment settings. Changes may not take effect immediately, so check the cutoff date before your next due date.

What should I do if the Comenity Capital Bank auto pay amount is higher than expected?

Review your statement to see if the autopay is set to pay the full balance, minimum payment, or a fixed amount. If the amount seems incorrect, contact Comenity customer service using the number on the back of your card to review recent transactions, confirm the payment amount, and adjust your autopay settings if needed.

How do I request a refund or reversal for a Comenity Capital Bank autopay transaction?

If the payment caused an overdraft or was made in error, call Comenity Capital Bank customer service as soon as possible. They can advise whether a reversal or adjustment is possible. You may also need to work with your bank if the transaction has fully posted and you’re seeking an overdraft-fee refund.

Why do I see a pending Comenity Capital Bank auto pay transaction before my due date?

Comenity may initiate your scheduled autopay a few days before the due date to ensure it clears on time. During this period it can appear as a pending transaction. Once processed, it will post as a completed payment on both your Comenity account and your bank statement.

How can I contact Comenity Capital Bank about a charge I don’t recognize?

Use the phone number on the back of your Comenity-issued credit card or visit comenity.net, select your card or brand, and use the customer service contact information provided there. Have your account details and the full transaction descriptor ready so they can quickly locate the payment.

Will closing my Comenity credit card stop future COMN CAP APY F1 AUTO PAY charges?

Closing the card will stop new purchases, but existing balances still need to be repaid. If you had autopay enabled, verify that it has been cancelled or updated to reflect any final payoff. Check your online account or contact Comenity to confirm that no further automatic debits will be scheduled.

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