Ach Comn Cap Apy f1

Learn about the "Ach Comn Cap Apy F1" charge and why it appears on your credit card statement.

First seen on July 8, 2022, Last updated on October 23, 2022

What is it?

This showed up as a debit on my bank statement. This was for an Ulta credit card.

These are payments made to a card issued by comenity capital bank

Comenity Capital Bank autopay for a credit card issued by BJ's Wholesale Club, a warehouse club in the northeast US like Sam's Club or Costco.

IKEA credit card payment

For me, it was my ULTA credit card payment.

B&H Photo Comenity credit card. A terrible abbreviation making it very hard to understand source or validity of charge.

This charge was in my bank account statement as "COMN CAP APY F1" it is for Autopay with Comenity Bank (COMENITY PAY NS WEB PYMT 800-395-5714). They service the following store cards: BigLots, Victoria Secrets, Bealls Outlet, etc.

Comenity bank is a bank that offers businesses branded, in-store Credit Cards. Places like Victoria Secret, J.Crew, Pottery Barn, IKEA, Burlington, ULTA, and many more, use Comenity Bank as their provider. https://www.creditcards.com/card-advice/comenity-bank-credit-cards/

For me it is Burlington Coat Factory credit card payment. Comenity Bank processes many Credit Cards for smaller businesses.

direct debit Comn Cap Apy f1 appeared on my bank statement,Jan 2023. 145.18. I do not have an account with any of their clients, Have never heard of them. I have no idea when the charge was made but it was posted to account Jan. 20, 2023.

IKEA, Care Credit, Amazon

it was my j jill card

This a an automatic charge from Boscov’s Store.

Forever21 credit card

Comenity Credit card codes: VI is Victoria Secret OH is the old Ulta, F1 is the new Ulta CP is Academy BH is BJ's Wholesale NS is the old J Crew, F2 is the new J Crew

For me I believe it may be my Academy Sports credit card. Threw me for a loop as well. First appeared in August for me.

As others pointed out, COMN CAP = Comenity Capital Bank and it actually runs your XYZ credit card.

Ours was from a Frontgate credit card issued by comenity

Floor N Decor credit card is processed through Comenity as well

Figured it out, this was an autopsy for my Petco Credit Card

didn't order anything for 189.53

Is el dorado furniture, CARD BLUE

Comenity Bank runs many, many cards - store cards, credit cards, etc. So, if you have a Buckle card, or Big Lots (examples) or a card that you’re unsure of the regular charge and minimum payment - it’s ran through this bank. It works the same as synchrony and amazon, if that makes sense.

Can you help? What is this charge?

(Will be shown publicly)
(Be concise and clear. Include supporting links or references)

Also Appears on Statements As

  • CHKCARDAch Comn Cap Apy f1
  • CHECKCARD Ach Comn Cap Apy f1
  • POS Debit Ach Comn Cap Apy f1
  • POS PUR Ach Comn Cap Apy f1
  • POS PURCH Ach Comn Cap Apy f1
  • POS PURCHASE Ach Comn Cap Apy f1
  • POS REFUND Ach Comn Cap Apy f1
  • PRE-AUTH Ach Comn Cap Apy f1
  • PENDING Ach Comn Cap Apy f1
  • Visa Check Card Ach Comn Cap Apy f1 MC
  • Misc. Debit Ach Comn Cap Apy f1
  • CHKCARD Ach Comn Cap Apy f1