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You can opt out of this issuer's forced arbitration
Comenity Capital Bank's agreement lets you reject arbitration and keep your right to sue — usually within a short window after opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…d I n t e r e s t , L o w P a y m e n t How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Disputes Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: A A A Tr a v e l A d v a n t a g e V i s a S i g n a t u r e : 1 - 8 5 5 - 5 4 6 - 9 5 5 2 AAA Daily Advantage Visa Signature: 1-800-305-1219 T D D / T T Y: 1 - 8 8 8 - 8 1 9 - 1 9 1 8 AAA.com/Advantage Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 W h e n w r i t i n g , i n c l u…”
“…t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputes Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: A A A Tr a v e l A d v a n t a g e V i s a S i g n a t u r e : 1-855-546-9552 A A A D a i l y A d v a n t a g e V i s a S i g n a t u r e : 1-800-305-1219 T D D / T T Y: 1-888-819-1918 AAA.com/Advantage Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, a…”
“…t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, OH 43218-3043 Billing Errors Comenity Capital Bank, PO Box 182620, Columbus, OH 43218-2620 Credit Reporting Comenity Capital Bank, PO Box 182120, Columbus, OH 43218-2120 Disputes Disputed Debts 3000 Kellway Drive, Suite 120, Carrollton, TX 75006 General Credit Card Customer Care: A c a d e m y S p o r t s + O u t d o o r s : 1-877-321-8509 T D D / T T Y: 1-888-819-1918 comenity.net/academy Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003 When writing, include your name, address, phone number and Account n u m b e r. Credit Card Agreement T h i s A g r e e m e n…”
Detected in the CFPB-filed cardholder agreements from Comenity Capital Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…r t a n t p r o v i s i o n s c a r e f u l l y. P a y s p e c i a l a t t e n t i o n t o P a r a g r a p h s : A : J u r y Tr i a l Wa i v e r ; C: Arbitration Provision; C.1: Right to Reject; C . 6 : C o u r t a n d J u r y Tr i a l s P r o h i b i t e d ; O t h e r L i m i t a t i o n s o n L e g a l R i g h t s ; a…”
“…o n f o r this Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
“…f o r t h i s Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
You can't band together with other cardholders in a class action.
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“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a plaintiff, ( C l a s s A c t i o n Wa i v e r ) defendant or class member; b. neither you nor we may act as a private attorney general i…”
“…not be joined or consolidated with Claims brought by or against any other person; and d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration. 8. Location and Any arbitration hearing that you attend must take place at…”
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a ( C l a s s A c t i o n Wa i v e r ) plaintiff, defendant or class member; b. neither you nor we may act as a private attorney general i…”
You waive your right to have a dispute heard by a jury.
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“…a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t a r i s i n g o u t o f o r related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision below (including the jury trial w a i v e r c o n t a i n e d t h e r e i n ) . Yo u a n d w e e a c h r…”
“…indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b e p a r t o f t h i s A g r e e m e n…”
“…n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t arising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision b e l o w ( i n c l u d i n g t h e j u r y t r i a l w a i v e r c o n t a i n e d t h e r e i n ) . Yo…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…ated interest charges from purchase date through end of promotional period divided by number of months in promotional period rounded up to nearest $1 Deferred Interest, Low Payment 1% of sum of plan balances at end of billing period rounded up to nearest $1 O r Wa i v e d I n t e r e s t , L o w P a y m e n t How to…”
“…er Credit Plans at end of billing period (excluding new interest charges for those plans) (minimum $5); plus (2) New interest charges for those plans Deferred Interest, Payment 3.5% of sum of plan balances at end of billing period rounded up R e q u i r e d o r Wa i v e d I n t e r e s t , to nearest $1 Payment Requ…”
“…A s o f t h e P r i n t D a t e , y o u r P u r c h a s e A P R i s 3 2 . 9 9 % , b a s e d o n t h e P r i m e R a t e . Current offers may include: Deferred Interest, Payment Required: No interest if paid in full within 6 or 12 months. Interest will be charged to the Account from the purchase date at the Purchase…”
Slip up and your rate can jump to a much higher penalty APR.
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“…for the All Pet Card Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 32.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
“…t) for the B&H Payboo Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 35.99% Purchases Penalty APR and When it Applies Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
“…it-card-agreement 1/21 5/8/25, 8:56 PM Ballard Designs Credit Card - Current Credit Card Agreements Annual Percentage Rate (APR) 35.99% for Purchases Penalty APR and When it Up to 39.99% Applies This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you make a la…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…Wa i v e d I n t e r e s t , L o w P a y m e n t How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
“…v e d I n t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Capital Bank, Bankruptcy Department, PO Box 183043…”
“…rge Budget Payment) Minimum Payment will increase How to Contact Us: Arbitration Claims Comenity Capital Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Capital Bank, PO Box 182422, Columbus, OH 43218-2422 Comenity Capital Bank, Bankruptcy Department, PO Box 183043, Columbus, Bankruptcy No…”