Attorneys are investigating whether prerecorded Comenity Bank calls violated federal telemarketing laws.
If you received a prerecorded call or voicemail from Comenity Bank regarding tax services or a tax refund, you may qualify to take legal action.
What to know about the Comenity Bank class action lawsuit investigation
- Core Issue: Attorneys are investigating whether Comenity Capital Bank, the credit card issuer for Bread Financial and numerous store-branded credit cards, placed prerecorded calls and left prerecorded voicemails to consumers’ cell phones without their prior consent. These calls may have violated the Telephone Consumer Protection Act (TCPA).
- Who it Affects: Consumers nationwide who received prerecorded calls or voicemails from Comenity Capital Bank, especially those who never had a Comenity, Bread Financial or store-branded credit card account.
- Harm/Impact: Federal law restricts businesses from using prerecorded calls to contact consumers without their consent. If Comenity Capital Bank placed these calls without permission, affected consumers may have legal rights to compensation under the TCPA.
- Legal Status: Attorneys are actively investigating claims.
- Take Action: Complete the form on this page to find out whether you may qualify to join the Comenity Bank lawsuit investigation.
What is the Comenity Bank TCPA lawsuit investigation about?
The Comenity Bank lawsuit centers on allegations that Comenity Capital Bank used prerecorded calls and voicemails to contact consumers without the consent required by federal law.
These claims argue that:
- Consumers allegedly received prerecorded calls and voicemails without first providing the consent required by federal law.
- The prerecorded messages referenced “tax services,” “tax refund,” “tax season,” “tax resolution and relief” or a “special resolution unit.”
- Some calls were allegedly made to people who never had a Comenity Capital Bank, Bread Financial or store-branded credit card account.
- Some consumers reportedly continued receiving calls even after closing their accounts or asking the calls to stop.
If these allegations are proven, affected consumers may be eligible to recover statutory damages of $500 to $1,500 for each unlawful call under the TCPA.
Who qualifies for the Comenity Bank lawsuit investigation?
You may qualify for Comenity Bank lawsuit if the following apply:
- You received one or more prerecorded calls or voicemails from Comenity Capital Bank.
- The prerecorded message mentioned tax services, tax refunds, tax season, tax resolution and relief, a special resolution unit or similar language.
- You never had a Comenity Capital Bank, Bread Financial or store-branded credit card account, or you continued receiving calls after closing your account.
- You did not give Comenity Capital Bank permission to contact you with prerecorded calls, or you withdrew that permission and the calls continued.
Time limits may apply. Do not wait to check whether you may qualify.
Legally reviewed by: Patrick McEuen
Director of Operations, Meyer Wilson Werning
The law firm responsible for the content of this page is: Meyer Wilson Werning; Columbus, OH; 614-756-6637; investorclaims.com.
Case updates
Legal status as of July 2026
- July 2026: Attorneys are actively investigating whether Comenity Capital Bank violated the Telephone Consumer Protection Act (TCPA) by placing prerecorded calls and voicemails without the required consent.
- October 2013: Comenity Bank agreed to settle a previous TCPA lawsuit involving allegations of unlawful prerecorded calls.
This page was last reviewed and updated in July 2026 to reflect the latest case developments.
About Comenity Capital Bank and Bread Financial
Comenity Capital Bank is part of Bread Financial, a financial services company that issues credit cards for more than 150 retail brands. Some of the retailers that have offered Comenity-issued credit cards include Ulta Beauty, Victoria’s Secret, Wayfair, Petland and many more.
Because many of these credit cards are marketed under a retailer’s name, some consumers may not realize their account is actually issued by Comenity Capital Bank.
Phone numbers linked to the TCPA lawsuit investigation
Consumer complaints and public reporting have linked the following phone numbers to Comenity Capital Bank. These numbers have reportedly been used to place the prerecorded calls at the center of this investigation.
Columbus, OH
- (614) 212-5291
- (614) 212-5292
- (614) 212-5293
- (614) 212-5296
- (614) 534-2516
- (614) 729-5609
- (614) 729-6087
- (614) 729-9031
- (614) 754-4060
- (614) 754-4136
- (614) 754-4137
Denver, CO
- (303) 209-2049
- (303) 255-5075
- (303) 255-5349
- (303) 255-5352
- (303) 255-5354
- (720) 456-3687
- (720) 456-3688
- (720) 456-3695
- (720) 456-3697
- (720) 456-3702
- (720) 456-3703
- (720) 456-3718
- (720) 456-3720
- (720) 456-3769
- (720) 456-3772
Lenexa, KS
- (913) 312-1013
- (913) 563-5510
- (913) 563-5511
- (913) 563-5567
Boise, ID
- (208) 719-3272
Salt Lake City, UT
- (801) 438-8379
Toll-Free
- (800) 695-2780
- (800) 695-2912
- (855) 334-4196
- (855) 497-8174
- (866) 291-8712
- (866) 423-1097
- (888) 393-7162
The Comenity Bank robocall lawsuit investigation is ongoing, and additional phone numbers may be identified. If you received a similar prerecorded call from a different number that identified itself as Comenity Capital Bank, you may still qualify.
How to preserve evidence of the calls
If you received prerecorded calls or voicemails from Comenity Capital Bank, keeping any related information may help attorneys evaluate your potential claim.
- Save the voicemail: Do not delete it. If possible, save a copy or create a backup.
- Take screenshots of your call log: Include the phone number, date and time of each call.
- Write down what you remember: If you no longer have the voicemail, make note of what the prerecorded message said while it is still fresh in your mind.
- Keep records related to your account: If you had a Comenity, Bread Financial or store-branded credit card, note when you opened or closed the account.
- Save any related text messages or other communications: Do not delete messages that may be connected to the calls.
What does the TCPA say about prerecorded calls?
The Telephone Consumer Protection Act (TCPA) is a federal law that helps protect consumers from unwanted telemarketing calls and text messages. Among other things, the law requires:
- Businesses must obtain a consumer’s permission before placing prerecorded telemarketing calls to a cell phone.
- Written consent is generally required for prerecorded telemarketing calls.
- Consumers may be able to recover $500 per unlawful call, or up to $1,500 per call if the violation was willful or knowing.
- These rules apply to banks and credit card issuers, just like they do to other businesses.
Consumers who received these calls may be able to pursue compensation through a TCPA lawsuit.
Fill out the form on this page to see if you qualify for a free case evaluation.
After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.
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