Company directory

Bread Financial

Also appears on letters, statements, and credit reports as: Comenity, Comenity Bank, Comenity Capital.

Debt Digest is not affiliated with Bread Financial and does not speak for them.

How to reach them

How to reach Bread Financial.

  • Website https://www.breadfinancial.com/en/help-center.html Last checked Sep 24, 2026. Source
  • Mailing address Comenity Bank, P.O. Box 182273, Columbus, OH 43218 Last checked Sep 24, 2026. Source
  • Mailing address Comenity Capital Bank, P.O. Box 183003, Columbus, OH 43218 Last checked Sep 24, 2026. Source
  • Phone 1-855-796-9632 (general customer service) Last checked Sep 24, 2026. Source
  • Phone 1-888-819-1918 (TDD/TTY) Last checked Sep 24, 2026. Source
What to ask for in writing

Four things you can ask for in writing.

This is what to ask for. Debt Digest does not tell you whether to pay, how much, or what to say beyond this.

  • Validation information: the current amount, who it is owed to, and how it changed since the itemization date.
  • Who owns the debt right now, by legal name, and who is allowed to collect on it.
  • An itemized balance: principal, interest, and fees broken out separately.
  • A written agreement before you pay anything, describing exactly what the payment settles.
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