Written by Jemina Owen-Jones

May 18th, 2024


Bread Financial is a financing platform that has been in operation for over a decade. The company provides retail products including installment loans and consumer credit cards. They offer pay-over-time solutions for online and in-store purchases, which allows buyers to break purchases into monthly payments.'
  • COMENITY: The name of the company or organization receiving the payment
  • PAY: Indicates that the transaction is a payment
  • OH: Possibly the abbreviation for the state where the transaction took place (Ohio)
  • WEB: Indicates that the payment was made online
  • PYMT: Abbreviation for payment
  • Find & fight fraud from anywhere

    Verify With Receipt

    The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which you can finding by searching in your email accounts for Bread Financial.
    Or, if you want to automatically find and reconcile receipts so you never worry about fraud, you can use SimplyWise to automatically match all bank and credit card transactions to email and paper receipts. The app instantly reconciles your expenses and flags anything that doesn’t match.
    Step 1

    Connect your email

    Download the SimplyWise app and connect your email account. SimplyWise will search through your emails and find all the receipts in your inbox. This allows you to understand what exactly you are paying for when you see a bank transaction on your statement.
    Step 2

    Connect Your Bank

    Connect to your bank account/credit card transactions through the secure (256 bit encryption) Reconciliation feature within the app.
    Step 3


    Reconcile the charges reported by your financial institution against what you’ve recorded in your SimplyWise account. Find fraud quickly! SimplyWise will match your transactions to your bank/credit card spending and check those items off.
    SimplyWise Community Comments
    Be the first to comment!