I am filing a complaint regarding a billing error and improper fees on my XXXX credit card account. On XX/XX/year> I was charged {$420.00} at XXXX XXXX # XXXX ( XXXX, VA ). I returned the same item on XX/XX/year> but was only credited {$420.00}, leaving a {$6.00} balance. I was not aware of this balance, and it has since grown to {$71.00} due to late fees and interest. I have contacted Comenity Capital Bank multiple times, but they refused to resolve the issue and redirected me to the merchant. I also received a voicemail referencing potential attorney action despite this being a disputed billing error. I am requesting correction of the {$6.00}, reversal of all related fees, and confirmation my account will not be negatively reported.
CFPB COMPLAINT DATABASE
Bread Financial
906 real consumer complaints filed against Bread Financial at the Consumer Financial Protection Bureau in the last 12 months. 447 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Fees or interest270
- 02Problem with a purchase shown on your statement101
- 03Attempts to collect debt not owed81
- 04Incorrect information on your report71
- 05Problem with a company's investigation into an existing problem45
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I had a XXXX month interest free credit with comenity capital XXXX and paid them in full minus a credit the dental office was supposed to credit the account .. they finally credited my account and comenity said i still owe interest and fees for not paying on time... I sent them all paperwork on XX/XX/XXXX showing i paid in full .I called them 6 times since paperwork was sent certified mail and kept telling me that they were investigating the problem it is now XX/XX/XXXX never received any response to all interest and fees so I called them and they said investigation was done and I owe them the interest and late fees which is ridiculous it was paid in full...
I am filing a formal complaint regarding a fraudulent charge of {$3100.00} on my medical credit card account. The charge was initiated by XXXX XXXX XXXX for an upcoming oral XXXX. However, the clinic officially canceled my procedure in writing, stating their doctor was " un-equipped '' to perform it. Absolutely ZERO services were rendered to me. Despite canceling the procedure, the clinic initially kept the charge on the account. When I visited the clinic in person to resolve this, the receptionist was incredibly rude and refused to help, falsely claiming that signing the initial paperwork obligated me to pay. However, after I stated that I would take legal action, she finally checked the system and claimed that the funds were actually returned to the bank on XX/XX/year>. She provided me with a printout confirming this refund, which I am attaching to this complaint.…
I am filing a complaint regarding unauthorized charges on my credit card account handled by Comenity Capital Bank related to a XXXX purchase. I purchased a computer on XX/XX/XXXX, and made payments on XX/XX/XXXX and XX/XX/XXXX. No additional services were disclosed or authorized. However, I was charged for a service called Account Assure without my knowledge or consent : - XX/XX/XXXX : {$14.00} - XX/XX/XXXX : {$14.00} Total : {$29.00} I did not enroll in this program. There was no clear disclosure or authorization provided. I only became aware after reviewing my statements and had to cancel the service myself on XX/XX/XXXX. When I contacted customer service, I was repeatedly redirected between phone numbers with no resolution. I am requesting : XXXX. A full refund of {$29.00} XXXX. Proof of enrollment/authorization XXXX Review of this as an unauthorized billing issue If proof of authorization can not be provided, these charges should be refunded immediately.
I contacted the company multiple times to request the full and accurate payoff amount for my credit card account. Each time, I was provided with a specific balance and was told that paying that amount would satisfy the account in full. I relied on the information given to me and made payments accordingly, including a payment of approximately {$110.00} and XXXX separate payments of {$89.00}. I also have records of conversations with a supervisor who specifically stated that a payment of {$89.00} would pay my account off in full. I relied on this information when making my payments.Despite following the instructions provided by the company, my account was not brought to a XXXX balance. Instead, additional fees were added to my account after I made those payments, including a late fee of approximately {$15.00} and another fee of approximately {$49.00}.…
Recent complaints
The 30 most recent complaints against Bread Financial where the consumer chose to publish their narrative.
I am filing a formal complaint against Comenity Bank regarding inaccurate and unverified information being reported on my credit file. I have previously disputed this account directly with the company, requesting proper validation of the alleged debt, including a signed original contract and full account-level documentation. Instead of providing legally sufficient verification, Comenity has only supplied billing statements and summary information, which do not meet the standard of proof required under federal law. Billing statements are not proof of a valid, enforceable debt, nor do they demonstrate that I am legally obligated for the account. Despite this, Comenity continues to report this account to the credit bureaus, which is causing harm to my credit profile. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as inaccurate and unverified information must not be reported.…
I am submitting a complaint regarding the payment allocation practices on my credit card account with Comenity Capital Bank involving deferred interest promotional financing. I currently have XXXX deferred interest plans on my account. XXXX of these plans ( Plan XXXX ) is set to expire on XX/XX/year>. I have been consistently making payments above the minimum amount due with the intention of paying off the balance associated with the earliest expiring promotional plan in order to avoid deferred interest charges. However, I recently discovered that my payments have not been applied in a way that prioritizes the plan with the nearest expiration date. Instead, payments have been distributed across multiple balances according to internal rules that were not clearly explained to me at the time of account opening or during use of the card.…
On XX/XX/year>, I requested a credit limit increase for my XXXX credit card via my online account managed by Comenity Capital Bank. The online disclosure stated that the bank " may '' need to access my credit report. This wording is ambiguous and fails to provide " clear and conspicuous '' notice that a hard inquiry ( which negatively impacts credit scores ) would be performed. I was never presented with a mandatory warning or a secondary confirmation screen stating that a hard pull was certain. I was notified of my approval via email on XX/XX/XXXX, but the bank never disclosed that they had hit my credit file. I only discovered the hard inquiry through a third-party monitoring service. On XX/XX/year>, I contacted Comenity customer service to dispute this.…
Complaint Explanation I am submitting this complaint regarding interest charges applied to my account following what I believe to be an unfair and inadequately disclosed payment processing practice related to a promotional balance. At the end of my promotional period, I made a good faith effort to pay the remaining balance in full. At that time, approximately {$370.00} remained. I had an automatic payment of {$250.00} already scheduled and submitted an additional payment of {$120.00} to satisfy the remaining balance. However, instead of applying the {$120.00} as an additional payment toward the outstanding balance, the issuer reduced my previously scheduled automatic payment. This resulted in a small remaining balance at the end of the promotional period, which then triggered approximately {$3000.00} in interest charges. At no point was it clearly disclosed that submitting an additional payment would reduce a scheduled automatic payment.…
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX.…
My personal information and financial situation/details were disclosed by Comenity Bank ( XXXX XXXX XXXX ) to a person that was NOT allowed or given permission to have my information on XX/XX/year>. They were calling to get a payment because I was a payment behind. They called multiple times back to back, left the person voicemails, and called them until they picked up!! I had made a payment the week before, which HAD posted to my account by this date, but they still called this person, not even in my household, and disclosed personal and financial details to this person without my permission. This is causing me a lot of problems Im having to handle and unnecessary stress now in a situation I was already taking care of. Unacceptable, and ILLEGAL!
am submitting this complaint regarding my XXXX XXXX account issued by Comenity Bank. I financed a dental procedure for approximately {$3000.00} under a promotional financing plan. I made consistent, good faith payments and reduced the balance to approximately {$1500.00} prior to the promotional expiration date of XX/XX/year>. I was not clearly informed or did not fully understand that if the balance was not paid in full by the expiration date, interest would be applied retroactively from the original purchase date. After the promotion ended, my balance increased significantly to approximately {$3400.00} due to these retroactive interest charges. I have made every effort to responsibly pay down this account and was actively working toward paying it off. I contacted Comenity Bank to request a courtesy adjustment or settlement, and I explained that I am willing and able to pay the remaining {$1500.00} balance immediately if the excessive interest charges are reduced or removed.…
The credit card had expired XXXX of XXXX and replacement cards has been requested. Company claims that they have send the replacement cards to my address and was also showing received. I have not received any replacement cards and decided to close the account XX/XX/XXXX since it has no use for me anymore. By XX/XX/XXXX, I have PAID IN FULL and utilized that option on their website, a few weeks later I am being charged interest and late fees. Since the account has been closed and paid in full I should no longer be paying anything at all. I called and spoke with a supervisor and they are stating that I am still responsible for those fees despite paying in full and the account closed. Their payment option is misleading and has led me to fil this complaint as well as sending them formal dispute letters.
I got a phone call on XX/XX/year>, from XXXX XXXX Credit card ( XXXX ) stating that I show fraudulent transaction on my account. I didn't trust the call because I knew and didn't have a XXXX XXXX XXXX. I did google Comenity bank and called to be told the same information about an account being open in my name. I asked when it was open and I was advised that it was open XX/XX/year>. I then proceed to check myXX/XX/XXXXand didn't notice any new activity. The representative at Comenity stated that they will file a dispute, close the account and I will send me something via mail. On XX/XX/year>, I got an email fromXX/XX/XXXX that notified me that a new account was added to my XX/XX/XXXXcredit file. I then proceed to call them. Due to the fact it waXX/XX/XXXX I was unable to file a dispute but was helped by putting a freeze on my account and a fraud notification went out.…
I earned rewards through my XXXX credit card issued by Comenity Bank based on approximately {$9800.00} in purchases made during a promotional double rewards period. Under the program terms, rewards are issued in {$100.00} Archarge Rewards Certificates for every {$1500.00} in eligible purchases. With the applicable double rewards promotion, I estimate that I should have received approximately {$1300.00} in total rewards certificates. These rewards were converted into physical certificates and mailed to me. I never received them. Comenity Bank has stated that the certificates were redeemed ; however, I did not receive, authorize, or benefit from these rewards in any way. I tracked the rewards online and never saw they were issued. I called in XXXX and was told they would be issued in XXXX. I called in XXXX and talked to ( XXXX # XXXX ). I was informed that they were indeed issued in XXXX and redeemed. I was told by employee to open a fraud case and I did on XX/XX/XXXX.…
On XX/XX/year>, I was preapproved for the XXXX XXXX Credit Card issued by Comenity Bank ( Bread Financial ). I applied online and after submitting the application ( and a hard pull of my credit ), Comenity asked me to call to provide additional information. Comenity informed me that I needed to verify my identity by submitting two documents to verify my identity. I submitted two documents online ( drivers ' license and utility bill, as requested ) and received no confirmation of submission. On XX/XX/year>, I received a letter from Comenity Bank stating that my application was denied due to " Suspected Fraud ''. The letter contained no information on contacting the bank for more detail, other than the return mailing address. I called the number Comenity Bank told me to call after the initial application, and was told they had received my documentation, but the application was denied.…
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, COMENITYCAPITALXXXX XXXX XXXX, COMENITYCAPITALXXXX XXXX XXXX, XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that XXXX XXXX XXXX, COMENITYCAPITALXXXX XXXX XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.
I am filing a complaint regarding Comenity Capital Banks poor handling of a billing dispute related to my XXXX credit card account ending in XXXX used in dental services for my daughter. On XX/XX/XXXX, The XXXX Dentist ( XXXX, CA ) ran my credit for an XXXX credit account in my name, I decided not to open the account and not proceed with proposed expensive dental services for my daughter for work on multiple tooths. On XX/XX/XXXX, The XXXX Dentist used my credit information that they retained without my permission to open an XXXX credit card in my name without my knowledge nor authorization. Then they charged {$11000.00} for a full dental plan that we did not agree to and started the services without our knowledge when my daughter went in for unrelated services and did not disclose to us the services were performed until after the procedures were done, forcing us to continue with more appointments to complete the rest of the procedures to not leave the tooths half done.…
I received a credit card from XXXX and when I went to make my first payment I had no account information and no numbers on my card to put in. When I would try to lookup account information on my own so I could pay since I was not receiving any aid on the matter my account could not be found and I could never verify my account even since I didn't have all the credit card information. I called and got no response I emailed and got no response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Account Opened : XX/XX/year> Original Balance : {$480.00} Current Balance : {$630.00} I am filing a complaint against XXXX XXXX XXXX regarding a collection account being reported on my credit file. This account originates from Comenity Bank and was placed with XXXX XXXX XXXX without proper notification to me. I did not receive a validation notice as required under 15 U.S.C. 1692g. Additionally, this account has been reported to the credit bureaus, including XXXX, without prior validation or sufficient proof that the debt is accurate and that XXXX XXXX XXXX has the legal right to collect.
I am filing this complaint regarding a disputed charge of {$250.00} from XX/XX/XXXX, for merchandise that I never received. After the charge posted, I contacted the merchant, XXXX XXXX, XXXX was informed in writing that I was eligible for either a replacement or a refund. I chose a replacement. Despite this, no replacement was ever sent, XXXX the matter was not resolved after multiple follow-ups. Due XXXX the lack of resolution, I filed a dispute with my credit card issuer XXXX was issued a temporary credit while the investigation was pending. On XX/XX/XXXX, the charge was reapplied XXXX my account. I was later advised that this occurred because the merchant recharged the card, not because the dispute was resolved or the merchandise was delivered. I then contacted the merchant again, XXXX they explicitly refused XXXX assist further, stating they could not provide a replacement or refund because a chargeback had been filed.…
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute a charge on my XXXX XXXX Account ( Account Number : XXXX ) related to merchandise that I never received. Transaction Details : Date : XX/XX/year> Description : XXXX XXXX XXXX XXXX XXXX XXXX, TX Amount : {$2300.00} Reference : XXXX Laptop Purchase ( 12 Month Deferred Interest Plan ) Despite this charge being posted to my account, I did not receive the laptop or any associated merchandise tied to this transaction. Furthermore, I did not sign for, accept, or otherwise take possession of the product. This raises serious concerns regarding fulfillment, delivery verification, and account integrity. It is unacceptable that I am being billed for goods that were never delivered. As the merchant and creditor, XXXX has an obligation to ensure that products are successfully delivered and received before enforcing payment collection. At this time, I am requesting the following immediate actions : 1.…
I am submitting this complaint regarding inaccurate information being reported by Comenity Capital Bank on my credit report. I submitted a direct dispute to Comenity Capital Bank under FCRA 623 ( a ) ( 8 ), disputing the accuracy and validity of an account that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation demonstrating that I am responsible for this account. Despite this request, Comenity Capital Bank has continued to report the account without providing any documentation showing that I authorized or agreed to the account. I have not received a signed application, agreement, or any records establishing my liability. This account is also being disputed in connection with identity theft. I did not open this account, did not authorize it, and did not benefit from it in any way.…
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.
COMENITYBANK/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Status Closed. {$160.00} written off Comments Purchased by another lender Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$400.00} XXXX XXXX XXXX Account XXXX
I opened a Comenity Bank credit card to finance dental work. Without prior notice or clear explanation, Comenity charged {$710.00} in interest to my account in a single charge. This amount appeared suddenly with no warning. Since that charge, Comenity has continued to add additional interest charges every single month, causing my balance to grow continuously beyond what I originally borrowed, and those monthly charges are still occurring as of today. Over the past two months, I have made multiple attempts to contact Comenity to dispute these charges and get an explanation of how they were calculated. During one attempt, I was transferred to a manager and placed on hold, after which the call was disconnected. I was never called back. Despite two months of attempts, Comenity has refused to provide any explanation of the {$710.00} charge, how it was calculated, or why interest continues to accrue every month.…
Comenity bank literally wont leave me alone at all hours of the day and they call me XXXX times a day from an unknown number. I have screenshots to prove it and my payment is barely late. They always threaten legal action as well every time Im on the phone and theyre really rude, doesnt matter who Im talking to.
Complaint to the Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint regarding the handling of a promotional financing plan associated with my XXXX XXXX credit account. After paying off my promotional balance, I was charged deferred interest due to missing the promotional payoff deadline by a few days. I believe the circumstances surrounding this charge warrant review. At the time of purchase, I understood that making the required minimum payments would keep the account in good standing while I paid down the balance. I was not clearly aware that the remaining promotional balance needed to be paid in full by XX/XX/year> in order to avoid the application of deferred interest.…
This was the first letter that I sent to them : To the Underwriting Department : I am writing to formally dispute the late fees and interest charges applied to my XXXX XXXX account. I am also writing to document my closure of this account due to what I categorize as predatory credit practices. The Facts of the Dispute : Principal Balance : Approximately {$53.00} Alleged Infraction : Payment received one day past the deadline. Penalty Charged : {$42.00} ( Late fee and interest ). You are attempting to charge me fees totaling nearly 85 % of the original purchase value due to a payment that was processed a single day late. This is not a reasonable penalty ; it is an exploitative practice designed to trap consumers in debt over trivial technicalities. My Position : I refuse to be a participant in these predatory lending tactics. Effective immediately, I have closed this account. I am willing to pay the legitimate debt incurred for the goods purchased.…
I made the payoff agreed amount in XXXX on my XXXX Comenity bank card. The account was then closed. Then, years later, in XX/XX/XXXX, after XXXX communication, the company erroneously reported me as delinquent, trying to lie about the previous payoff and closure of my account. After speaking with them on the phone, they CONFIRMED the payoff back in XXXX, which they even have a recording of. But, they still are reporting me as delinquent and ruining my credit score. They are lying and engaging in criminal behavior to try and charge me for an account that was paid off and closed years ago.
My bill in XXXX that is was due XXXX showed a minimum payment of {$30.00} and an entire balance of {$38.00} due to pay it off so on XX/XX/XXXX, I paid the entire account in full {$38.00}. That was due that was showing needs to be paid to close out the account. Fast forward to today I got an unexpected email saying that I had a balance, which had me very confused because I paid the entire thing off that was requested upon opening up the email today and said I had XXXX dollars that I need to pay so I did further investigation to open up the account and saw there was a XXXX dollar charge after I made the payment and then a XXXX late fee was added on the account and then there was another interest fee of XXXX dollars making a total of XXXX dollars when I called them I said you know I would have paid whatever was due.…
I opened a new account for XXXX because they advertised a high percentage off of your first purchase. I think it was XXXX or XXXX percent. I made my first purchase on XX/XX/year> and could not use the discount because the item I bought was on sale. This charge was XXXX and made a XXXX charge on the following day. I attempted to make the payment by phone just after the statement came, but the pay by phone system was down. I made the payment in full on the due date of XX/XX/year>. The next statement came showing the payment on XX/XX/year> with a late fee and interest charge. When I called to dispute the charge, I was told that the payment was received on XX/XX/year>, but it was too late in the day. I have tried several times to address this over the phone, and I am told that the person who I am speaking too doesn't have the authority to adjust the fees. I asked for the address to dispute the charges in writing and was told that they are unable to provide that information.…
While I was in the process of fighting the amount of late fees and interest charged on my previous complaint, even though I paid the fees and interest after getting the bank 's letter from the XXXX filing, I just received a new balance of {$32.00}. Even though my account was closed in XXXX, this bank keeps charging me late fees and interest every month. A call to the bank was fruitless. They don't care. A {$28.00} balance that was 2 days late now has turned into late charges and fees totaling over {$60.00} in 1 month. How can they charge me another {$32.00} when I was in the process of fighting the XXXX they already charged me on a closed account? I want everyone to be able to see what this bank is doing to people.
Hello, My name is XXXX XXXX, and I am writing in regard to my XXXX credit card account. At the beginning of XXXX, I logged into my account expecting a remaining balance of approximately {$170.00}, after having already made a {$100.00} payment earlier that month. However, I was surprised to see that my balance had increased to around {$800.00}. After reviewing my statement, I noticed that a {$120.00} returned payment fee had been applied XXXX separate times, totaling {$720.00}. I immediately contacted customer service and was told that an automatic payment was attempted multiple times due to insufficient funds, and that each attempt resulted in a returned payment fee. I find it concerning that the same payment was repeatedly attempted, resulting in multiple fees being charged in such a short period. This seems excessive and does not align with what I understood from the terms and conditions.…
Same thing happen to you?
Upload your evidence. We draft a formal complaint with citations in 10 minutes. CFPB legally forces a response in 15 days.