Comenity Bank Cardholder?

You May Be Entitled to Recover the Interest Paid or up to 3X That Amount Depending on Your State.

If you were hit with unexpected high interest charges on a Comenity Bank credit card after signing up for a deferred interest promotion, you may qualify for a claim.

1 of 2

Sign Up In 2 Minutes

How to Sign Up
It takes only a few minutes! Once you sign up, everything is done through our secure portal.
Our Guarantee
No fees to sign up! You will never pay us out-of-pocket. We do not collect any fees unless we're successful for you.
Comenity Bank's Illegal Practices
Comenity Bank deceives customers into signing up for deferred-interest promotional credit cards without disclosing the true interest rate. Customers are surprised by being hit with high interest charges if they don't pay off their balances by the end of the promotion.
Do you think you qualify?
Sign Up
Frequently Asked Questions

What is this case about?

Comenity Bank offers store-branded loyalty credit cards through some of the largest retailers, including Victoria’s Secret, Pottery Barn, Sephora, Kellogg’s, Wayfair, Signet, IKEA, Restoration Hardware, West Elm, Williams-Sonoma, Zales, and Ulta.

To persuade customers to sign up for a store-brand loyalty credit card, Comenity Bank offers a confusing and misleading 0% APR interest period on the item. Many consumers are unaware that they must pay off their balance in full before the period expires. If the balance is not paid in full, the consumer has to pay interest on the entire promotional period, which is typically 12 to 18 months, even if they only have one payment left on the item. Consumers are hit with large, unexpected interest charges. This misleading, unfair, and confusing deferred-interest program burdens consumers with high interest rates and payments that cost two to three times more than the original cost of the item purchased.

We are a private law firm helping individuals recover damages from these illegal practices. It is free to sign up and only takes a couple of minutes to apply. If successful, we could recover the interest paid or up to 3x that amount depending on your state.

Comenity Bank offers store-branded loyalty credit cards through some of the largest retailers, including Victoria’s Secret, Pottery Barn, Sephora, Kellogg’s, Wayfair, Signet, IKEA, Restoration Hardware, West Elm, Williams-Sonoma, Zales, and Ulta.

To persuade customers to sign up for a store-brand loyalty credit card, Comenity Bank offers a confusing and misleading 0% APR interest period on the item. Many consumers are unaware that they must pay off their balance in full before the period expires. If the balance is not paid in full, the consumer has to pay interest on the entire promotional period, which is typically 12 to 18 months, even if they only have one payment left on the item. Consumers are hit with large, unexpected interest charges. This misleading, unfair, and confusing deferred-interest program burdens consumers with high interest rates and payments that cost two to three times more than the original cost of the item purchased.

We are a private law firm helping individuals recover damages from these illegal practices. It is free to sign up and only takes a couple of minutes to apply. If successful, we could recover the interest paid or up to 3x that amount depending on your state.

We would seek to recover the total deferred-interest you were charged so long as you may payments on the item during the promotional period.  However, there is no guarantee that if you file a claim against Comenity Bank you will recover anything. 

Arbitration means that instead of having your claim or dispute heard by a judge or jury in court, it will be decided by a neutral arbitrator in a private forum. Arbitration is something the parties agree to, usually as part of a contract that they enter into at the beginning of their relationship. Many companies have arbitration provisions in contracts that they enter into with individual consumers, employees, small businesses, or investors. Arbitration is sometimes called “alternative dispute resolution,” “ADR” or “private dispute resolution.”

No, this is not a class action lawsuit. Your individual arbitration claim will be decided on its own facts, which is why we ask for more information than is normally required when signing up for a class action settlement.

Many consumer agreements or services have mandatory arbitration provisions in their agreements and/or terms of use, along with class action waivers. You probably unwittingly signed these agreements, such as with banks and credit card companies, even if you’ve never seen them. They are also found in many online click-through agreements, such as travel, shopping, gaming, or entertainment sites. These clauses not only require you to arbitrate your claim, but to do so individually.

Our fees will be a percentage of the settlement or recovery we obtain for you. That amount will depend on the rules in the state you live in. We only receive a fee if you win, and you will never owe us any money.

Most of the time, arbitration can be conducted either by telephone or through documents provided by you and the company.