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FDIC: Store card issuer Comenity must refund $61.5 million

The little-known institution behind dozens of store cards must refund $61.5 million to credit card holders for false marketing of payment protection programs, the Federal Deposit Insurance Corp. announced Tuesday.

Comenity Bank in Wilmington, Delaware, and Comenity Capital Bank in Salt Lake City, Utah, entered a settlement with regulators over the marketing of its "Account Assure" and "Account Assure Pro" add-on products. Payment protection is an insurance-like product that is supposed to cover your credit card payments in an emergency such as job loss.

The banks, units of Alliance Data Systems Corp., back cards from niche retailers ranging from Abercrombie and Victoria's Secret to Zgallerie. According to documents on file with the U.S. Consumer Financial Protection Bureau, the two Comenity units stood behind about 150 store cards as of the first quarter of 2014.

"Consumers who are eligible for relief under the settlement are not required to take any action to receive restitution," the FDIC announcement said. The violations occurred between January 2008 and September 2014. People with a current account should receive a statement credit, while others should receive a check by mail, the FDIC said. Refunds will begin after the FDIC approves a refund plan to be submitted by the company within 30 days.

The FDIC says the Comenity units violated the Federal Trade Commission Act by falsely:

  • Telling customers they wouldn't be charged a fee if they didn't carry a balance.
  • Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.
  • Promising gift cards or account credits for enrolling in the program.

The order also states that the banks must clearly explain all the requirements that cardholders must meet in order to receive account credits or gift cards that are promoted as incentives to enroll in Account Assure.

The misstatements often occurred when cardholders were transferred to third-party salespeople after calling to activate their cards, the FDIC said. Cardholders may be due a refund for more than one violation. The FDIC will audit the banks' refund efforts.

In addition to the refunds being paid to customers, the Comenity banks will pay $2.5 million in civil penalties to the FDIC.

(Update: In 2016, Comenity had set up a website with details about the refunds, which said refunds were to be distributed beginning in the first quarter of 2016. That site has since been taken down.)

Tuesday's announcement brings to 11 the number of banks and third-party marketing companies that have been ordered to refund their customers for their marketing practices of add-on credit card products. In all, the companies have been ordered to repay almost $2.5 billion in refunds to nearly 21 million customers.

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If PayPal is linked to

your credit line:

  • What stores use comenity bank for credit

both of your accounts

If PayPal is not linked to

your credit line:

  • What stores use comenity bank for credit

your credit line and PayPal

Apply for PayPal Credit and start enjoying more time to pay

PayPal Credit is the simple, flexible credit line built into your PayPal account. Apply now and get a decision in seconds.

Subject to credit approval. See Terms.

* You may not be eligible to add PayPal Credit to your PayPal account if you do not meet certain criteria established by PayPal.

PayPal Credit is a line of credit from Comenity Capital Bank that gives you the flexibility to pay for your purchase now, or pay over time. It’s easy to apply and easy to use.

You can use PayPal Credit on purchases at thousands of stores that accept PayPal. It’s also available for purchases on eBay and exclusively at thousands of other online stores.

  • Check out with PayPal and then choose PayPal Credit.
  • Answer 2 quick questions and accept the terms.
  • You’ll know within seconds if you are approved.
  • Look for your PayPal Credit statement via email.

If your PayPal Credit account is linked to your PayPal account, your offers may vary.

Select PayPal Credit as your payment choice during checkout. You’ll be asked to provide your date of birth and your Social Security number, and then to agree to the terms and conditions, to apply for a PayPal Credit account. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your PayPal account and you’ll see it as a payment option every time you check out with PayPal.

How do I select PayPal Credit as my payment source?

There are two ways to choose PayPal Credit. Some merchants have a PayPal Credit option at checkout. If they do, you can simply choose that option. If you don’t see a PayPal Credit option, check out with PayPal, and then you’ll have the option to select PayPal Credit as your payment method. Either way a window will appear on your screen where you’ll provide your date of birth and the last 4 digits of your Social Security number, and then agree to the terms and conditions. Approval takes just seconds and you can complete your purchase.

Yes. Look for the PayPal Credit option on the Choose Payment Method page, or when you checkout with PayPal. PayPal Credit can be used for most purchases on eBay, except in the following categories: adult, digital goods, weapons, alcohol, and vehicles (PayPal Credit is available for auto parts and accessories).

How does the "No Payments + No Interest if paid in full in 6 Months" offer work?

You’ll have the option to make no payments for 6 months, on qualifying purchases. You will receive monthly statements and can make payments at any time. As long as you pay in full by the promotion expiration date, you will not be billed interest for that purchase. If you do not pay in full, interest will be calculated from the posting date (which is usually within a few days after the purchase date) and will be billed to your account.

You’ll receive monthly statements and can choose to pay in full or over time (interest charges may apply). For your convenience, once you link your PayPal Credit and PayPal accounts, you can keep track of your purchases and make payments on Pay your balance due from either your PayPal balance or your bank account.

You can also mail your payments in to:

Atlanta, GA 30348-5658

Nope! There is no annual fee to use PayPal Credit. See the Terms and Conditions.

Yes. Once you’re approved, Comenity Capital Bank will open a PayPal Credit account with a Credit Line of at least $250.

How do I increase my credit line with PayPal Credit?

You can continue to use PayPal Credit for purchases and, if those purchases cause your outstanding balance to exceed your credit line, we’ll evaluate you for a credit line increase. Your eligibility for a credit increase is determined by your credit history and customer history with PayPal Credit, and the Terms and Conditions. This will happen automatically during checkout, so you don’t even need to ask.

The Annual Percentage Rate for standard purchases and cash advances on a PayPal Credit line is 19.99%, although some special offers have a lower, promotional APR. The Minimum Interest Charge is $2.00. Of course, you can choose to pay your entire balance by the payment due date to avoid interest charges. Learn more about the interest rate.

PayPal Credit is a credit account that you can use to make purchases and send money. Comenity Capital Bank will review and consider your credit report and other credit related information prior to opening your account and establishing your credit line. Creditworthiness is determined by Comenity Capital Bank. This process happens in a matter of seconds as part of the PayPal Credit checkout process. Once you are a PayPal Credit customer, you can use your credit line to make purchases. If you make a purchase that would cause your outstanding balance to go above your credit line, we will review your credit history and history with PayPal Credit to instantly determine whether to increase your credit line.

Do you check my credit report every time I make a purchase?

No. A credit report is reviewed when you apply for PayPal Credit and occasionally when you attempt to increase your credit line. Periodically, we’ll obtain updates of your report, but these updates have no impact on your credit score. If for any reason your Credit Line is decreased, you’ll be notified of the reason in writing.

Yes, you will be charged a late fee for each month that the minimum payment is not paid by the payment due date. The first time you’re late, the amount of the late fee will be the same amount as the missed payment, up to $27. If you’re late again, the late fee will be up to $38.

Does PayPal Credit protect me from liability for unauthorized charges?

Yes! PayPal Credit provides “zero fraud liability” protection, the same protection provided by most major credit cards. This means you are not responsible for unauthorized charges. And we verify your identity with top-of-mind information such as your date of birth and the last four digits of your Social Security number, so there’s no account number that can be lost or stolen..

PayPal Credit is available on purchases at thousands of stores that accept PayPal. It’s also available for purchases on eBay and exclusively at thousands of other online stores.

Why should I link my PayPal Credit and PayPal accounts?

Linking your accounts means you’ll be able to use PayPal Credit at most places PayPal is accepted. You can also get six months to pay for your purchases of $99 or more through PayPal Credit - and you could score deals such as free shipping, valuable discounts and promotional offers! By linking, you can also easily manage both accounts—pay your bill, view recent activity, set payment reminders, and much more at

I have a separate PayPal Credit (formerly Bill Me Later) account. How do I add it to my PayPal account?

Go to and choose “Link”

I’ve linked my PayPal Credit and PayPal accounts. Do I still need to register?

Nope. Once you link your accounts there is no registration step. You can simply log into and get access to up-to-the-minute account activity, special discounts, free shipping, and promotional financing offers from your favorite merchants.

In order to link your PayPal Credit and PayPal accounts, you must first open a PayPal account. If you do not already have a PayPal Credit account, you can sign up for both accounts at the same time.

If your PayPal account is blocked or closed, you will not be able to go through the online linking process. Please call PayPal Customer Service at 1-888-221-1161 and we will do our best to help.

Yes! You can now send money with PayPal Credit. It’s easy—simply log in to and select the Send Money tab. Enter the recipient’s email address or phone number, amount, and transaction type. Click Change to select PayPal Credit as your payment method, then confirm your payment details. Your transaction will appear on your monthly PayPal Credit statement. When you use PayPal Credit to send money, a flat fee of 2.9% + $.30 US dollars (USD) per transaction is included in your payment total. This is the same fee you pay when you use a debit or credit card to send money through PayPal. This feature is not available on mobile devices. Note: PayPal Credit promotional financing offers do not apply to send money transactions.

Will my funding sources transfer when I start managing my account on

No. Since the requirements for PayPal Credit and PayPal differ, we cannot add your current funding sources without you going through approval and set up process of adding them yourself. This is also a security feature to make sure you are in control of who has access to your accounts.

Will my previously scheduled payments transfer when I start managing my account on

Yes. Any payments you have already scheduled will still process on time from your previous funding sources. You’ll even see them process through your new interface, even though you will not be able to access those funding sources until you add them directly into your PayPal account.

Will all of my information be carried over to

When you link PayPal Credit to your PayPal account, all credit history will automatically transfer over. The linking process is what will enable statements, transactions, account history and profile information to be displayed on However, for security reasons, funding sources associated with your PayPal Credit account will not automatically transfer over You will need to manually establish or update any links from financial institutions (such as your bank accounts) to PayPal Credit. We recognize this poses a minor inconvenience for customers, but for security reasons this information will not automatically transfer.

Is there a number I can call if I have additional questions?

Yes there is. Our customer service department is available to assist you with your PayPal credit related issues. Please call us at 1-866-528-3733 and we will do our best to help.

PayPal Credit is subject to credit approval, as determined by the lender, Comenity Capital Bank.

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