On This Page
- Are You Receiving Prerecorded Calls From Comenity Capital Bank?
- The Phone Numbers We Are Tracking
- What the Telephone Consumer Protection Act (TCPA) Requires
- Why We Are Investigating Comenity Capital Bank
- Who Should Contact Us
- About Meyer Wilson Werning’s TCPA Practice
- How to Preserve Evidence of the Calls
- How Meyer Wilson Werning Can Help
- Frequently Asked Questions
Are You Receiving Prerecorded Calls From Comenity Capital Bank?
Meyer Wilson Werning is investigating allegations that Comenity Capital Bank, the credit-card-issuing arm of Bread Financial, has been placing prerecorded voicemails about “tax services,” “tax refund,” and “tax season” to consumer cell phones in apparent violation of the federal Telephone Consumer Protection Act (“TCPA”). Our investigation is particularly focused on calls placed to consumers who never opened a Comenity, Bread Financial, or store-branded credit card account.
If you have received a prerecorded voicemail from a Comenity Capital Bank number, especially one that mentions “tax services,” “tax refund,” “tax season,” “tax resolution and relief,” a “special resolution unit,” or a 2026 IRS deadline, we want to hear from you. Under the TCPA, consumers may be entitled to $500 to $1,500 per illegal call. Contact our TCPA class action attorneys today for a free and confidential consultation.
If you or a family member has received a prerecorded voicemail from Comenity Capital Bank, Meyer Wilson Werning may be able to help. Our TCPA class action attorneys have served as court-appointed class counsel in cases that resulted in over $300 million in cash for consumers. Contact us for a free and confidential consultation.
We Have Recovered Over $350 Million for Our Clients Nationwide.
The Phone Numbers We Are Tracking
We are currently tracking calls from the following numbers, which public reporting and consumer complaints have associated with Comenity Capital Bank’s dialing operations. The list is grouped by area code for reference:
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
If you have received a prerecorded voicemail from any of these numbers, or from a different number that delivered a similar “tax services,” “tax refund,” or “tax season” message and identified itself as Comenity Capital Bank, please contact us. Our investigation is ongoing, and we are continuing to identify additional numbers associated with the call campaign.
What the Telephone Consumer Protection Act (TCPA) Requires
The TCPA, codified at 47 U.S.C. § 227, prohibits a business from placing calls or text messages to a consumer’s cell phone using an autodialer or an artificial or prerecorded voice unless the business has the consumer’s prior express consent. For telemarketing calls, the consent must be in writing.
Key rules under the TCPA include:
- Prerecorded calls to cell phones are unlawful without the called party’s prior express consent.
- Wrong-number calls to consumers who never gave consent are particularly problematic. A business cannot rely on consent given by a prior owner of a reassigned number, and it cannot rely on consent given by a different person.
- “Ringless voicemails” (messages dropped directly into a consumer’s voicemail without ringing the phone) are treated as calls under FCC rulings and require the same prior express consent.
- Statutory damages under the TCPA range from $500 per violation to $1,500 per violation for willful or knowing violations. There is no cap on aggregate damages, and the law authorizes class actions.
- The federal statute of limitations for TCPA claims is generally four years.
The Federal Communications Commission applies these rules to banks, credit-card issuers, and other financial institutions. They do not stop applying because a caller is attempting to reach a different person.
Why We Are Investigating Comenity Capital Bank
Our investigation arises from a pattern of consumer complaints describing the following:
- Repeated prerecorded voicemails left on consumer cell phones, often multiple times in a single week.
- A scripted message referencing “tax services,” “tax refund,” “tax season,” “tax resolution and relief,” a “special resolution unit,” or a 2026 IRS deadline.
- Calls placed from a small set of numbers (listed above) attributed to Comenity Capital Bank’s dialing footprint.
- Calls placed to consumers who report they have never opened a Comenity, Bread Financial, or store-branded credit card account, including, in some cases, calls placed to numbers reassigned from a prior subscriber.
These allegations, if proven, may give rise to claims under the TCPA. Comenity Capital Bank is the credit-card-issuing subsidiary of Bread Financial Holdings (NYSE: BFH), which markets credit cards under partnerships with retailers including Ulta, Victoria’s Secret, Wayfair, Petland, and many others.
The investigation is at an early stage. No allegation in this notice has been adjudicated or proven. The purpose of this page is to identify additional consumers whose experiences may be relevant to the investigation.
Who Should Contact Us
Our investigation is most directly focused on consumers who match the following profile:
- You received one or more prerecorded voicemails on your cell phone that you believe came from Comenity Capital Bank.
- The voicemail referenced “tax services,” “tax refund,” “tax season,” “tax resolution and relief,” a “special resolution unit,” or used a similar scripted message.
- You have never opened a Comenity Capital Bank, Bread Financial, or store-branded credit card account (or, if you did, the calls began after you closed the account or revoked consent).
- You did not give Comenity Capital Bank prior express consent to call your cell phone with prerecorded messages.
If you held a Comenity or Bread Financial account at any point, we are still interested in hearing from you, but please mention this when you contact our intake team so we can route your call appropriately.
If you saved the voicemail, please preserve it. Saved audio files are some of the strongest evidence in TCPA cases.
About Meyer Wilson Werning’s TCPA Practice
Meyer Wilson Werning is a national class action and consumer protection law firm with over 75 years of combined experience and more than $350 million recovered for our clients. Our firm has been at the forefront of TCPA enforcement for more than a decade.
Principal Matthew R. Wilson has been court-appointed class counsel in numerous TCPA cases across the country, with class settlements totaling over $300 million in cash for consumers. Recent court recognition includes Matt being named the 2026 Best Lawyers “Lawyer of the Year” for Mass Tort Litigation and Class Actions (Columbus, OH), and the Super Lawyers “Lawyer of the Year” for Class and Mass Actions in 2022. Cases on which Matt has served as class counsel include:
- $75.5 million from Capital One. This was the largest all-cash class settlement in the history of the TCPA at the time it was reached. More than 1.4 million consumers received checks.
- $39.975 million from HSBC, for consumers who received automated or prerecorded messages from HSBC.
- $32 million from Bank of America, for consumers who received debt collection robocalls.
- $24.15 million from Sallie Mae, for borrowers who received unauthorized autodialer calls.
- Multi-million-dollar settlements with ING Direct ($20.35M), Bank of the West ($3.35M), Wells Fargo, and other financial institutions. See our full class action results for additional case detail.
Our team has the trial experience, the resources, and the regulatory knowledge to take a TCPA case from intake to settlement or judgment. For prior coverage of similar litigation, see our blog post on the Quicken Loans robocall lawsuit. We work on a contingency fee basis. There is no fee unless we recover for you.
How to Preserve Evidence of the Calls
If you believe you have been receiving illegal prerecorded calls from Comenity Capital Bank, the following steps will strengthen any potential claim:
- Save the voicemail. Do not delete it. If your phone allows you to email a voicemail to yourself, do so. Cloud-backup it if possible.
- Screenshot your call log. Capture incoming calls from the numbers above with dates and times.
- Write down the message script. If you can transcribe what the voicemail says, do so as soon as possible.
- Document any account history. Note whether you have ever held a Comenity, Bread Financial, or store-branded card account, and if so, when you closed it.
- Note any “stop” requests. If you have already told Comenity to stop calling (by phone, in writing, or by replying STOP to a text), write down the date, time, and method. Continued calls after a stop request can support enhanced damages.
- Do not delete texts. Save any related text messages.
Then contact us for a free, confidential review.
How Meyer Wilson Werning Can Help
Meyer Wilson Werning represents consumers nationwide who have been harmed by illegal robocalls and prerecorded messages. With more than 75 years of combined experience and over $350 million recovered for our clients, our team is dedicated to holding companies accountable when they violate consumer-protection laws. Contact us today for a free and confidential consultation to discuss whether you may have a TCPA claim against Comenity Capital Bank.
Attorney Advertising. Past results do not guarantee future outcomes. Meyer Wilson Werning is a law firm with offices in Columbus, Ohio and additional locations nationwide. Submitting an inquiry through this site does not create an attorney-client relationship; an attorney-client relationship is formed only by signed engagement.
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