Bread Financial

I am filing this complaint against Comenity Capital Bank for failing to conduct a reasonable investigation into a clear billing error under the Fair Credit Billing Act, resulting in a wrongful dispute denial. Transaction Details : - Card : Bread Cashback XXXX XXXX Credit Card ( ending in XXXX ) - Transaction Date : XX/XX/XXXX - Amount : {$330.00} - Statement Merchant Descriptor : TICKET FULFILLMENT XXXX XXXX XXXX XXXX XXXX XXXX ) Prior Bank Action : Comenity Bank denied my initial dispute on XX/XX/XXXX ( Denial Letter attached ), claiming that " refunds are issued if the event is canceled not rescheduled '' and instructing me to " continue to work with the merchant to resolve. '' My Rebuttal & New Material Evidence : 1. The dispute is for " Goods/Services Not As Described '' due to a massive, unilateral material change in the service purchased. I bought tickets for " The Happy Fits '' concert on XX/XX/XXXX ( a Friday ) at the XXXX XXXX.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXComenity Capital BankXXXX XXXX XXXX XXXX XXXXnSubject: Goodwill Request for Removal of Late Payments\nDear Comenity Capital Bank Customer Relations,\nI am writing to respectfully request a goodwill adjustment regarding the late payments that were reported on my AAA Signature Credit Card account.\nI take full responsibility for the late payments that occurred during a brief period when I unexpectedly lost my job and experienced significant financial hardship. Prior to that time, I had consistently maintained my account in good standing and made every effort to meet my financial obligations. Unfortunately, my temporary unemployment made it impossible for me to keep up with my payments.\nI am pleased to share that my circumstances have completely changed. I am now employed with the Department of War and am currently deployed to the Middle East.…

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I received a letter for Comenity Capital bank asking me to unfreeze my credit for my XXXX credit card application. I never applied for this card or had any interaction with Comenity or XXXX. I tried to reach out to Comenity Capital to terminate the application and the asked me over the phone for my SSN. I am not sure if this is a real bank or what.

I am requesting an Executive Office review of an egregious deferred interest charge applied to my Arhaus Credit Card ( issued by Comenity Bank, a subsidiary of Bread Financial ). I have a flawless payment history on this account, and excellent credit, and have been utilizing the bank 's own automatic payment system ( " Autopay '' ) to manage my balances faithfully. The bank failed to issue any standalone emails, push notifications, or modern outreach warning me of the impending promotional expiration. Instead, the final notification was buried deep within a monthly billing statement that I rarely review line-by-line because my Autopay was actively functioning and giving me a false sense of security. I am currently within the exact same billing cycle as the expiration and missed the promotional deadline by a mere 10 days, completely unbeknownst to me. The bank immediately levied an insane amount of retroactive deferred interest ( {$520000.00} ) back to the original purchase date.…

I spent a total of nine hours over two days trying to get them to either a send me verification that that was completely paid and that nothing had been charged back. Or B let the original creditor know that the debt is paid. I paid the debt in XXXX. It is still showing on my credit report because of the original creditor and they are refusing to resolve the issue. I paid them XXXX XXXX XXXX because they demanded it for my debt to not be resolved in my credit report to still be jacked up.

I am submitting this complaint regarding the remaining interest and late fees on my credit card account after the resolution of my previous CFPB complaint. My original complaint concerned approximately {$9900.00} in disputed taxi charges from XXXX on XX/XX/year>. After reviewing my complaint, Comenity Bank credited the full amount of the disputed transactions to my account. However, the bank did not removed the late fees and interest during the time of the disputed charges. I appreciate that the disputed charges were removed, However, the remaining interest and late fees accumulated while those disputed charges remained on my account during the disputed process. We disputed these charges in good faith and pursued every avenue available to us, including working with XXXX, sending certified correspondence, and filing aa CFPB complaint.…

I am disputing a consumer equipment loan opened by a door-to-door XXXX XXXX XXXX salesperson through Bread Financial ( Account # XXXX ). The salesperson used deceptive, high-pressure tactics to secure a digital signature from me on XX/XX/XXXX, right before I left for an extended trip out of town trip on XX/XX/XXXX to join my family in Texas. The representative completely hid the fact that they were opening a third-party loan through Bread Financial. I was led to believe there was only a single monthly service charge from XXXX, and he did not know a separate financing loan was being opened in his name. Furthermore, the total loan amount is fraudulent. The contract charges us a loan balance for multiple security cameras, but those cameras were never actually delivered or installed on our property. XXXX is attempting to collect a loan balance on equipment we do not possess. We sent a formal written dispute via USPS Certified Mail to XXXX in XXXX, which they have completely ignored.…

I discovered an unauthorized charge on my account from an XXXX XXXX store located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The transaction amount was {$290.00} As soon as I received my billing statement and noticed the charge, I contacted XXXX XXXX 's fraud department to report that I did not make or authorize this purchase. I informed the company that the transaction was fraudulent.

My merchandise balance was paid in full on XX/XX/year>. I have made absolutely XXXX new purchases on this card for the last three months.Despite having a {$0.00} merchandise balance, the bank hit me with late fees and trailing interest. I contacted them via message, and they applied a small {$15.00} credit which i just saw today, but my balance is still sitting at {$96.00} because the fees keep multiplying without my knowledge. I called customer service, and they refused to waive the rest of the balance.I am disputing these fees under the Fair Credit Billing Act. I request that the bank waive this remaining {$96.00} balance to absolute XXXX and permanently close this account.

I received a phone call today XXXX XXXX XXXX XXXX XXXX on my personal cell phone number XXXX the call came from number XXXX. The caller asked for me by my first and last name. I stated this is " XXXX XXXX ''. Female caller with XXXX accent, hard to understand. i asked her to speak slower. She proceeded to tell me that " you are a payment behind on your Torrid credit card. '' I had to ask her to repeat this several times as she was difficult for me to understand. She repeated this and said the " the last payment was for {$200.00} drafted from an account from Comenity ( XXXX XXXX? ) Bank. I informed her that I have never had a Torrid store credit card and do not have a bank account with any bank of that name. She asked if I was saying that the card was not mine. She was very insistent that this was my card and bank account. I repeated that I have never had that type of credit card or a bank account with any bank of that name. She said she would transfer me to the Fraud Department.…

I applied for a credit card at bread financial also known as comenity bank I was approved for the XXXX store card in the amount of XXXX dollars.However, I never received it due to comenity bank not placing my apartment number.I also have XXXX other cards with the bank and I received those cards without a problem.It has been I month and XXXX weeks and I have not received a replacement card.I called comenity bank at least a XXXX times and I was told the address was incomplete and was missing the apartment number.I spoke to a supervisor he assured me that my address and telephone numbers was going to be updated and a new card would be sent out.It had been XXXX weeks and I still havent receive the XXXX have also been blocked from calling comenity bank to enquirer about my account and card.

Comenity Bank did not disclose to me that they do not accept XXXX card, their platform keeps on accepting my card details and saying that payment is scheduled. But after multiple tries, the payment gets sent back to my card. I found out after calling multiple times that they do not accept XXXX as a form of payment causing a negative remark on my credit report. I got frustrated and called Comenity but their representatives barely speaks english which infuriates me even more and my problem is not resolved. I was forced to open a bank account just to make a payment, and now the last representative told me that they will address this issue and will remove it in my credit report since it is their system that caused my negative remark. I've been waiting for a long time already to get this fixed but looks like there are no updates or resolution at their end. Mind you that I have to pay a lot of interest due to these company 's incompetence.

Complaint Summary : I am filing this complaint because XXXX XXXX has repeatedly prevented me from placing legitimate online orders based on a disputed order associated with a previous address where I no longer lived. I moved out of that residence in XX/XX/year>. XXXX informed me that my online orders are being denied because an order associated with that address was later disputed. During my conversation with XXXX, I was told the disputed order occurred months after I had already moved out. I was no longer residing at that address and was not the person who placed or disputed that order. Despite explaining this, XXXX has continued to deny my online orders without providing a meaningful process to review or correct their records. I should not be held responsible for activity that occurred at a residence after I had moved away.…

I got a call /message from the credit card company that there seemed to be some fraudulent charge on my card and wanted to check to see if it was a valid charge. I verified that it was a fraudulent charge and so they said they'd issue us new cards and cancel the previous cards. They also indicated that it was ok, because they never authorized the charge so they or I hadn't been affected by the fraud. Then I never received any cards and it's been a few weeks since this happened. I called the company as to what was going on and they said it was their error and the agent who handled the call accidentally closed our account instead of issuing us new cards and now that it was more than XXXX days since that happened there was nothing they could do and I'd have to reapply for a card. How would it even be possible for us to know the account was closed and that they didn't send us new cards within XXXX days because most of the time you don't even receive the new cards within XXXX days.…

Company Information Company Name : Comenity Capital Bank Company Address XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Product : Credit card Sub-Product : Store credit card ( XXXX XXXX XXXX XXXX XXXX ) Complaint Details Issue : Problem with two ( 2 ) purchases shown on your statement Sub-Issue : Credit card company isn't resolving a dispute about purchases on their statement Date of Incident : XX/XX/XXXX ( initial dispute submission ) I am submitting this complaint against Comenity Capital Bank regarding their failure to resolve legitimate disputes over fraudulent and unauthorized charges on my XXXX XXXX XXXX XXXX XXXX XXXXOn my credit card statement, I identified two unauthorized and fraudulent charges from XXXX XXXX : XX/XX/XXXX : {$650.00} XX/XX/XXXX : {$350.00} These charges are fraudulent because my XXXX XXXX XXXX Explanation of Benefits ( XXXX ) clearly show that I owe {$0.00} for both dates of service.…

CFPB Complaint Narrative : Statement of Record What happened ( Complaint Description ) : I am filing this complaint to place a formal statement of record against Comenity Capital Bank regarding their customer service standards, account management practices, and false accusations on my XXXX XXXX XXXX account. On XX/XX/year>, I was involved in a heated, mutual verbal disagreement over the phone with a customer service representative. While I am fully aware now of the call being recorded, firstly it is against Florida law to record without my consent and they did not ask for it and secondly, I do not recall word-for-word what the conversation contained. However, I openly acknowledge my own part in that tense exchange and regret letting my frustration impact the call. The representative was equally unprofessional and hostile.…

When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone XXXX times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, all my Comenity Bank credit cards started throwing a Card not added. Contact card issuer for more information. error.

I am reopening a dispute from complaint id XXXX due to no resolution. I never received a refund for the items I returned. They say XXXX sent me a check, but I never got a check, I was never told I would receive a check. In fact, the agreement was to receive my money back to the original payment which was the credit card. The bank has shown no proof that I have my money back and still, you will not hold them accountable for their fraud. I have fallen into a depressive episode because they ruined my credit line as I waited for the just rectification of my account, but they continue to deny it without proof. I am at my last thread of what I can do to save my credit from their theft. Please help me and hold them accountable.