Saw COMN CAP APY F1 on your bank? Don’t worry—it’s almost always a real autopay from a store credit card (usually Ulta or similar). Here’s exactly what it means and how to stop it fast.
Hey friend, imagine you open your bank app one morning and see a weird $25 or $50 taken out that says COMN CAP APY F1. Your heart skips. Scam? Someone stole my card? I’ve been there too. Take a deep breath. Nine times out of ten it’s not fraud. It’s just a sneaky little autopay you forgot you turned on months (or years!) ago.
3 Things You’ll Know in the Next 5 Minutes
- COMN CAP APY F1 is a normal charge from Bread Financial (used to be Comenity Bank) for store credit cards.
- It usually comes from cards like Ulta, Victoria’s Secret, Overstock, or Big Lots.
- You can stop it in under ten minutes and sometimes even get money back.
What Does COMN CAP APY F1 Actually Mean?
Let’s break the code like detectives:
- COMN = short for Comenity (the bank behind hundreds of store cards)
- CAP = Capital (they own Capital Bank too)
- APY = they borrowed the letters from “annual percentage yield” even though it just means autopay here
- F1 = a secret code that often points to Ulta Beauty cards
So the whole thing just says: automatic payment number one from Comenity Capital for your store card. Nothing scary when you know the trick!
Which Stores Use This Funny Code?
Bread Financial runs the credit cards for more than 350 shops. The most common ones that show up as COMN CAP APY F1 are:
- Ulta Beauty (F1 is their special tag)
- Victoria’s Secret
- Ann Taylor / LOFT
- Big Lots
- Overstock
- Wayfair
- Torrid
Picture this: you bought a $200 makeup haul at Ulta last year, picked the “easy monthly payments” box, and clicked “yes” to autopay. You forgot about it. The card still pulls money every month even if you paid it off. That’s the story for thousands of people every single month.
Is It a Scam or Just Me Being Forgetful?
Honest answer: 99 % of the time it’s you being forgetful, not a thief. Real signs it’s safe:
- The amount is the same every month
- You have old emails from that store about a new card
- The charge started right after a big purchase
Real fraud signs (call your bank fast):
- Huge amount you never saw before
- No emails or memory of that shop at all
- Charges on days that don’t match your usual shopping
How to Check in Less Than Five Minutes
Grab your phone and do this quick check:
- Open your email and search the shop name + “welcome” or “card”
- Search your bank for the exact dollar amount that left
- Look for old shopping bags or receipts from that store
Most people find the “Aha!” moment in step one. I once helped my sister and found her Ulta welcome email from two Black Fridays ago. Mystery solved!
How to Stop COMN CAP APY F1 Today
You have three easy ways. Pick the one you like best.
Fastest way – online (5-10 minutes)
- Go to comenity.net or breadfinancial.com
- Log in with the card (or click “forgot password”)
- Click Payments → Automatic Payments → Turn it off
- Done! No more surprise pulls.
If you like talking to people – phone
- Call 1-800-675-5685 (have your bank statement ready)
- Say “I want to cancel automatic payments”
- They stop it while you wait
Extra safe way – your own bank
- Tell your bank to block all future pulls from “Bread Financial” or “Comenity”
- This stops everything forever (good if you never want store cards again)
Stop It Happening Again Next Year
Little habits that save big money:
- Turn on text alerts for every single bank pull
- Once a year search your statements for “COMN” or “Bread”
- Pay store cards in full at the shop instead of picking monthly plans
- Use your regular credit card instead of new store cards (better rewards anyway!)
People who do these simple things save a few hundred dollars a year without trying hard.
FAQs About COMN CAP APY F1
What does COMN CAP APY F1 mean on my bank statement?
It’s an automatic payment from Bread Financial (old name Comenity Bank) for a store credit card like Ulta, Victoria’s Secret, or Big Lots. The code looks strange but it’s normal.
Is COMN CAP APY F1 a scam or fraud?
Almost never. It’s usually a real autopay you set up and forgot. Check your emails for the store card welcome letter. If you find nothing, then call your bank to be safe.
How do I cancel COMN CAP APY F1 charges?
Log into comenity.net or breadfinancial.com, go to Payments, and switch off automatic payments. You can also call 1-800-675-5685 and ask them to stop it today.
Why does COMN CAP APY F1 keep taking money?
You probably chose “easy monthly payments” on a big purchase and said yes to autopay. Even when the item is paid, the autopay can stay on and pull the minimum amount.
Can I get my money back from old charges?
If the payment kept going after the card was paid off, yes! Call Bread Financial, explain, and ask for a refund. Many people get weeks or months of charges returned.
How is this different from normal credit card autopay?
Regular cards (Chase, Amex) show the real name. Store cards hide behind codes like COMN CAP APY F1. That’s why it feels sneaky even when it’s not.
There you go, friend! You now know exactly what that strange charge is and how to make it disappear forever. Open your bank app right now, search for COMN or Bread, and take back control of your money. You’ve got this and your wallet will thank you big time!