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The best way to tell if this charge is fraudulent is to find the receipt. Comenity bank may charge late fees even if you believe you have paid your bill on time. If you feel that you are being charged late fees unfairly, itโs important to take action. Represents the company or service (comenity pay) and the method of payment used (vi could stand for visa). Possibly denotes that the payment. Deferit pays your phone bill upfront, while you pay it back in 4 installments, once every two weeks! Join over 500,000 happy members! Deferit charges a monthly membership. You're likely seeing this charge because you (or someone using your card) made a payment to a business that uses comenity for its credit cards. You're likely seeing this charge because you made a payment to a business that uses comenity for its credit cards. If you didn't make this payment, it's possible someone else. Indicates that the transaction is a payment. Possibly the abbreviation for the state where the transaction took place (ohio) web: Indicates that the payment was made online. Another option is to contact your bank and dispute the charges and try to recover the money.