COMENITYCB/SMILEGENFIN on a credit report: Comenity Capital Bank
COMENITYCB/SMILEGENFIN is a store or co-branded credit card issued by Comenity Capital Bank; the part after the slash usually names the retailer.
Comenity Capital Bank at a glance
Complaints to the CFPB about Bread Financial Holdings
The CFPB has received 49,427 complaints filed under Bread Financial Holdings, Inc. (all its accounts, not only COMENITYCB/SMILEGENFIN), 10,775 of them in the 12 months to October 8, 2026 with the latest on October 2, 2026, and the company answered 100% on time. [2]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 9,183 | 19% |
| Fees or interest | 5,404 | 11% |
| Improper use of your report | 4,261 | 9% |
| Attempts to collect debt not owed | 3,817 | 8% |
| Problem with a purchase shown on your statement | 3,169 | 6% |
Every code this company uses is listed on its main page (COMENITYCB/IDDEAL).
Checking this account
Questions about the account go to Comenity Capital Bank, the issuer; a wrong detail on the report can be disputed with the bureau that shows it and with Comenity Capital Bank.