Credit Capital Bank, also known under several alternate business names such as Comenity Capital Bank, Bread Financial Payments, Inc., and others, provides a range of financial services, including loans, credit cards, and savings accounts. Despite its various services, the company has garnered numerous negative reviews and complaints, with customers reporting issues such as poor customer service, hidden fees, and difficulty in resolving account issues. The bank is accredited by the Better Business Bureau (BBB) since 2023 but has been involved in controversies related to deceptive practices and interest rate reduction scams. Credit Capital Bank is not regulated by any major financial authority.