Comenity Bank keeps calling from numbers like 720-456-3713, even after consumers ask them to stop. Many people searching for “Comenity Bank harassment” are looking for a way to end exactly that pattern. According to settlement records reviewed by Top Class Actions, Comenity has reportedly paid millions to resolve federal robocall claims, suggesting the bank’s call volume has consistently exceeded what the law allows. Federal statutes give consumers a private right of action when those calls cross the line.
Key Takeaways
- Comenity Bank is the consumer lending arm of Bread Financial (formerly Alliance Data Systems). It issues store-branded credit cards for over 150 retailers, including Victoria’s Secret, Wayfair, Ulta, and Zales.
- Comenity reportedly handles collections internally before selling charged-off debts to third-party buyers like Midland Credit Management.
- Federal courts have documented Comenity’s use of autodialers to call consumers, friends, relatives, and wrong numbers without consent. Comenity settled one class action for $8.475 million.
- A 2024 class action, Devish v. Comenity Bank, alleged that Comenity pulled consumers’ credit reports months after their debts were fully discharged in Chapter 7 bankruptcy.
- Each autodialed call after you revoke consent may be a separate TCPA violation worth $500 to $1,500 in statutory damages.
- The Wood Firm PLLC handles Comenity cases on contingency. If they violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is Comenity Bank
Comenity Bank is one of the largest issuers of store-branded credit cards in the United States. The bank operates as the consumer lending arm of Bread Financial, formerly known as Alliance Data Systems. Comenity partners with over 150 retailers: Victoria’s Secret, Wayfair, Ulta Beauty, Ann Taylor, Zales, J.Crew, and Forever 21.
Comenity handles its own collections internally before escalating. When an account goes delinquent, Comenity’s internal team contacts consumers by phone, email, and mail. Accounts unpaid for roughly 180 days are typically charged off and sold to third-party debt buyers, including Midland Credit Management.
In our practice, the transition point between Comenity’s internal collection and a third-party buyer matters. TCPA consent and FDCPA obligations reset when an account changes hands. We examine where the account stood when each call was made.
- Also Known As: Comenity Capital Bank; Comenity SVC; CB Vicscrt; Bread Financial
- Headquarters: Columbus, Ohio
- Phone: 800-695-9478 | (800) 695-9478 | +1-800-695-9478 | 8006959478
- Website: comenity.net
- BBB Profile: Comenity Bank BBB listing
- Class Action Archive: Comenity Bank litigation at ClassAction.org
Getting Harassing Calls from 720-456-3713
Yes. If 720-456-3713 appears on your caller ID, Comenity Bank is likely calling you. Consumers have reported this number and dozens of related numbers in the 720, 614, 303, and 913 area codes. People search these numbers online to identify who called them.
Comenity Bank uses a rotating pool of outbound numbers. Each number below has appeared in consumer complaints and court filings tied to this bank. The format variations help you identify the number, however it appeared on your caller ID.
720-456-3713 | (720) 456-3713 | +1-720-456-3713 | 7204563713
720-456-3711 | (720) 456-3711 | +1-720-456-3711 | 7204563711
720-456-3710 | (720) 456-3710 | +1-720-456-3710 | 7204563710
720-456-3709 | (720) 456-3709 | +1-720-456-3709 | 7204563709
720-456-3708 | (720) 456-3708 | +1-720-456-3708 | 7204563708
720-456-3700 | (720) 456-3700 | +1-720-456-3700 | 7204563700
720-456-3697 | (720) 456-3697 | +1-720-456-3697 | 7204563697
720-456-3686 | (720) 456-3686 | +1-720-456-3686 | 7204563686
720-456-3687 | (720) 456-3687 | +1-720-456-3687 | 7204563687
614-212-5291 | (614) 212-5291 | +1-614-212-5291 | 6142125291
614-212-5293 | (614) 212-5293 | +1-614-212-5293 | 6142125293
614-212-5295 | (614) 212-5295 | +1-614-212-5295 | 6142125295
614-212-5296 | (614) 212-5296 | +1-614-212-5296 | 6142125296
614-212-7500 | (614) 212-7500 | +1-614-212-7500 | 6142127500
614-729-5609 | (614) 729-5609 | +1-614-729-5609 | 6147295609
614-729-6087 | (614) 729-6087 | +1-614-729-6087 | 6147296087
614-729-6090 | (614) 729-6090 | +1-614-729-6090 | 6147296090
614-729-6091 | (614) 729-6091 | +1-614-729-6091 | 6147296091
614-729-7086 | (614) 729-7086 | +1-614-729-7086 | 6147297086
614-534-2515 | (614) 534-2515 | +1-614-534-2515 | 6145342515
614-534-2516 | (614) 534-2516 | +1-614-534-2516 | 6145342516
614-534-2547 | (614) 534-2547 | +1-614-534-2547 | 6145342547
614-754-4051 | (614) 754-4051 | +1-614-754-4051 | 6147544051
614-754-4056 | (614) 754-4056 | +1-614-754-4056 | 6147544056
614-754-4060 | (614) 754-4060 | +1-614-754-4060 | 6147544060
614-754-4132 | (614) 754-4132 | +1-614-754-4132 | 6147544132
614-754-4136 | (614) 754-4136 | +1-614-754-4136 | 6147544136
303-255-5349 | (303) 255-5349 | +1-303-255-5349 | 3032555349
303-255-5352 | (303) 255-5352 | +1-303-255-5352 | 3032555352
303-255-5354 | (303) 255-5354 | +1-303-255-5354 | 3032555354
303-255-5054 | (303) 255-5054 | +1-303-255-5054 | 3032555054
303-209-2049 | (303) 209-2049 | +1-303-209-2049 | 3032092049
913-312-5194 | (913) 312-5194 | +1-913-312-5194 | 9133125194
913-312-5195 | (913) 312-5195 | +1-913-312-5195 | 9133125195
913-312-3223 | (913) 312-3223 | +1-913-312-3223 | 9133123223
913-563-5510 | (913) 563-5510 | +1-913-563-5510 | 9135635510
913-563-5511 | (913) 563-5511 | +1-913-563-5511 | 9135635511
877-475-3483 | (877) 475-3483 | +1-877-475-3483 | 8774753483
800-695-2912 | (800) 695-2912 | +1-800-695-2912 | 8006952912
800-695-7444 | (800) 695-7444 | +1-800-695-7444 | 8006957444
844-271-2816 | (844) 271-2816 | +1-844-271-2816 | 8442712816
855-497-8174 | (855) 497-8174 | +1-855-497-8174 | 8554978174
888-393-7162 | (888) 393-7162 | +1-888-393-7162 | 8883937162
801-438-8376 | (801) 438-8376 | +1-801-438-8376 | 8014388376
208-719-3271 | (208) 719-3271 | +1-208-719-3271 | 2087193271
This list is not complete. Comenity Bank contacts consumers from additional numbers not listed here. You may also receive calls from spoofed local numbers outside the area codes above. Log every call with the date, time, and displayed number. That call log is often the most important document in a TCPA case.
Every call after you revoke consent is a potential TCPA violation. Moreover, the more calls you have received, the stronger your case.
Is Comenity Bank Harassing You
Comenity Bank harassment is a specific legal pattern, not just an annoyance. Federal law draws a clear line between lawful collection contact and conduct that triggers TCPA or FDCPA claims.
Can Comenity Bank Harass Consumers
No. Federal consumer protection laws place firm limits on how debt collectors and creditors communicate with consumers. Specifically, repeated unwanted calls, misleading statements, calls to third parties, and autodialed calls after revocation of consent may each violate federal law. Here are the key patterns that typically signal Comenity Bank harassment:
- Multiple calls per day: Comenity reportedly calls some consumers six to eight times daily, according to consumer complaints in BBB and CFPB records.
- Calls after asking them to stop: Under the TCPA, each autodialed call after a valid revocation of consent is a separate potential violation worth $500 to $1,500.
- Calls to family members: The Dmytriw v. Comenity Bank class action alleged that Comenity’s autodialer reached friends and relatives who had no account with the bank.
- Calls to your workplace: The FDCPA prohibits contact at a location the collector knows is inconvenient, including your place of employment if you have said so.
- Robocalls and autodialed calls without consent: Comenity has settled federal class actions over precisely this conduct, with one settlement reaching $8.475 million.
- Threatening or misleading language: Threats of arrest, false urgency, or misrepresentation of the debt amount are each potential FDCPA violations worth up to $1,000.
- Repeated voicemails: Voicemails from an autodialer that fail to identify the caller as a debt collector may violate the FDCPA’s disclosure requirements.
In our experience, Comenity’s voicemail messages often fail to identify the caller as a debt collector. That specific omission is the exact issue at the center of FDCPA claims. If you saved a voicemail, that recording may already contain the evidence.
Common Signs of Comenity Bank Harassment
Not sure whether what you’re experiencing crosses a legal line? These are the most common signs consumers report before opening a case:
- Multiple calls daily from rotating 720, 614, 303, or 913 area code numbers
- Calls that continue after you verbally told them to stop
- Calls to your spouse, parent, sibling, or coworker
- Calls to your employer, especially after you said that it was inconvenient
- Threats of arrest or immediate legal action to pressure payment
- Repeated voicemails with no identification of the caller as a debt collector
- Calls from numbers you don’t recognize that turn out to be Comenity
Furthermore, if Comenity reached your number and you have no account with them at all, you still have a potential TCPA claim. The Dmytriw filing establishes exactly that scenario. Call +1-844-638-1122 to find out which violations apply to your calls.
Why Is Comenity Bank Calling You
Comenity Bank is calling you because you carry or carried a balance on a store-branded credit card they service. Their collection team contacts delinquent accounts before the account reaches charge-off at roughly 180 days. After a charge-off, they may continue calling or transfer the account to a third-party collector. Either way, your right to revoke consent for automated calls does not expire when the account changes hands.
Comenity also calls friends, relatives, and wrong numbers. Federal court records in the Dmytriw v. Comenity Bank class action document allegations that Comenity used autodialers to reach people who had no account with the bank. If you have no Comenity account but keep receiving calls, you may have a TCPA claim regardless of whether any underlying debt exists.
“Comenity SVC” is a trade name Comenity uses on caller ID. If your caller ID shows Comenity SVC and a 720, 614, 303, or 913 area code number, the call originates from the same internal collection operation as the bank itself.
Is Comenity Bank a Scam
Comenity Bank is a real, federally chartered bank, not a scam operation. That said, licensed does not mean every call they place is lawful. The bank has settled federal class actions over precisely those calls, and the complaint volume in BBB and CFPB records reflects a pattern their own settlement history confirms.
Scammers do impersonate Comenity Bank. If a caller demands immediate payment via wire transfer, prepaid card, or cryptocurrency while claiming to be Comenity, that is a fraud warning sign. Comenity itself will not demand those payment methods. A caller who refuses to provide written validation of the debt, who cannot give specific account details, or who threatens arrest is not from Comenity.
In our practice, the relevant question is not whether the bank is legitimate. The question is whether each call complied with the TCPA and FDCPA. Those are two entirely different issues, and one does not resolve the other.
Has Comenity Bank Been Sued for Robocalls
Yes. Comenity Bank has been named as a defendant in multiple federal class actions over its automated call practices. The following cases appear in public court records:
- Dmytriw v. Comenity Bank: class action alleging Comenity used autodialers to call friends, relatives, and wrong numbers who had no account with the bank, in violation of the TCPA.
- Wilson v. Comenity Bank: TCPA class action documenting allegations of excessive automated calls placed without prior express consent.
- Carrie Couser v. Comenity Bank: TCPA class action that resulted in an $8.475 million settlement, one of the largest Comenity TCPA resolutions on record.
- Devish v. Comenity Bank (2024): class action alleging Comenity violated the FCRA by pulling consumers’ credit reports months after their debts were fully discharged in Chapter 7 bankruptcy.
- Identity theft dispute litigation: Comenity has also been challenged in federal court for allegedly refusing to cooperate with identity theft investigations and failing to provide legally required documentation within mandated timelines.
When we open a Comenity Bank file, we pull the full call log and cross-reference each number against Comenity’s documented outbound lines. The Dmytriw complaint is particularly relevant for consumers who receive calls despite having no Comenity account.
That filing establishes that Comenity’s autodialer reached people with zero account relationships. Consequently, if you are one of them, your TCPA claim does not depend on whether any underlying debt is valid.
Is Comenity Bank Banned by the FTC
No. Comenity Bank has not been banned by the FTC or subjected to a Commission enforcement action. The bank remains chartered and operational. However, the absence of an FTC ban does not reflect the bank’s full regulatory and litigation record.
The CFPB has received thousands of complaints about Comenity Bank’s collection practices. Furthermore, the bank has resolved multiple federal class actions rather than litigating them to a verdict. Consumers do not need an FTC action to pursue a private TCPA claim.
Each autodialed call to your cell phone after you revoke consent may be a standalone violation worth $500 to $1,500. The FTC’s debt collection FAQ covers the rights that apply regardless of whether any agency has acted against Comenity specifically.
In our practice, we treat the CFPB complaint database as a road map. The patterns documented there overlap directly with what we see in the call records consumers bring to us.
Can Comenity Bank Sue You
Yes, Comenity Bank can file a lawsuit for unpaid card balances if the debt falls within your state’s statute of limitations, typically three to six years, depending on jurisdiction. They must follow proper legal procedure. They cannot threaten a lawsuit they do not intend to file. That threat alone may violate the FDCPA.
Comenity does file suit on delinquent accounts. If you receive a summons, respond within the deadline in the court documents. A default judgment can lead to wage garnishment or a bank levy, depending on your state’s exemption laws.
If Comenity threatens arrest, that is illegal. Debt collectors cannot threaten criminal prosecution for civil debt. A threat of arrest to pressure payment may itself be an FDCPA violation worth up to $1,000 in damages.
Can Comenity Bank Call Your Family Members
Comenity Bank has a documented history of calling people who have no account with them. The Dmytriw v. Comenity Bank class action specifically alleged that Comenity used autodialers to call friends and relatives of account holders. Consumer complaints and federal court filings document this pattern regularly.
Under the FDCPA, Comenity may contact a third party only to locate you, not to discuss your debt. Additionally, calling your family member’s cell phone with an autodialer without their consent triggers the TCPA regardless of the purpose. If Comenity called your spouse, parent, sibling, or friend from any of the numbers listed above, that person may have a separate TCPA claim in their own name.
How The Wood Firm PLLC Helps Stop Comenity Bank Debt Harassment
When The Wood Firm PLLC receives a Comenity Bank harassment file, we start by pulling the full call log and matching each call date and number against Comenity’s documented outbound lines. Comenity uses a rotating pool of numbers across the 720, 614, 303, and 913 area codes. We cross-reference each call against the date the consumer revoked consent.
Every autodialed call after a valid revocation is a separate TCPA count. We also document call times, frequency, and whether calls came to a cell phone, because the TCPA’s statutory damages attach to each call.
Beyond call records, we examine whether Comenity’s collection letters meet FDCPA validation requirements and whether the bank accessed the consumer’s credit report after a bankruptcy discharge. That is the conduct alleged in Devish v. Comenity Bank.
Our practice is consumer-only. The Wood Firm PLLC has never represented a creditor or collector, and we hold federal court admissions across nine districts, including all courts of AR, CO, NM, and TX. There are no upfront fees. If Comenity violated the TCPA or FDCPA, they pay the attorney fees. Reach us at +1-844-638-1122.
If Comenity Bank is calling you repeatedly from rotating numbers, contacting your workplace or family members, or using an autodialer after you asked them to stop, visit our contact page to start a free case review. The Wood Firm PLLC handles Comenity TCPA and FDCPA cases on contingency. If they violated federal law, they pay our fees.
Other large collection operations with similar autodialer patterns include Travelers Management Group, Spire Recovery Solutions, and Windham Professionals. The TCPA protections that apply to Comenity apply equally to those agencies. For a broader overview of collector conduct, see our resource on national debt collection harassment.
Frequently Asked Questions
Why does Comenity Bank keep calling you?
Comenity Bank is calling you because you carry a balance on a store-branded credit card they service, or because their autodialer reached your number in error. They collect internally before selling charged-off accounts to third-party buyers. Every autodialed call to your cell phone after you revoke consent is a potential TCPA violation.
Can you stop Comenity Bank harassment?
Yes. Send a written revocation of consent for automated calls by certified mail. Under the TCPA, Comenity must stop using its autodialer to reach you after receiving that notice. If calls continue after that, each one may be a separate violation worth $500 to $1,500.
Will Comenity Bank sue you for unpaid debt
Yes, Comenity can file suit if the debt is within your state’s statute of limitations. A judgment can lead to wage garnishment depending on your state’s exemption laws. Responding to any summons within the stated deadline is critical. For an overview of what that process looks like, see our guide to top FDCPA violations.
Is Comenity Bank a scam
No, Comenity Bank is a real federally chartered bank. However, scammers do impersonate Comenity. If a caller demands wire transfer or prepaid card payment and cannot provide written validation, that is fraud. Legitimate Comenity calls come from the documented numbers listed in this article.
What is Comenity SVC on your caller ID
Comenity SVC is a trade name Comenity Bank uses on outbound caller ID displays. Calls showing Comenity SVC originate from the same internal collection operation as calls showing Comenity Bank. The same TCPA and FDCPA protections apply regardless of how the name appears.
Can Comenity Bank call your family members?
Comenity can contact a third party only to obtain your location information. The Dmytriw v. Comenity Bank class action alleged that Comenity used autodialers to call friends and relatives without consent. Accordingly, a family member who received autodialed calls from Comenity may have a separate TCPA claim in their own name.
What happens if you ignore Comenity Bank calls
Ignoring calls does not stop them and does not protect you from a lawsuit. Comenity files suit on delinquent accounts, and a default judgment can lead to wage garnishment or a bank account levy in most states. Therefore, contacting an attorney early gives you more options.
How do you remove Comenity Bank from your credit report
Dispute inaccurate entries directly with Equifax, Experian, and TransUnion. Credit bureaus must investigate within 30 days, and Comenity must verify or remove the entry. If Comenity pulled your credit report after a bankruptcy discharge, the conduct alleged in Devish v. Comenity Bank may support a separate FCRA claim.
What to Do Next If Comenity Bank Has Not Stopped Calling
Comenity Bank’s autodialer complaint history and its eight-figure TCPA settlement record show that the bank’s call practices have not always complied with federal law. If you revoked consent and the calls kept coming, if Comenity reached your family members or workplace, or if your number appeared in their system without any account relationship, federal law gives you a private right of action. The Wood Firm PLLC reviews Comenity harassment cases at no cost, and if they violate the TCPA or FDCPA, they pay the attorney fees. Call +1-844-638-1122 to start that review today.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices in Little Rock, AR.
