Bread Financial

I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

According to the credit collector agency, they said I owed {$250.00}. When I called the bank today. I provided my information, they said Im not in their system and they couldnt find me. They told me to call the credit bureau which I did. I filled dispute for the fake debt.

This is the 3rd time Comenity Bank for Torrid Credit Card has contacted a co-worker about and discussed my credit card debt with her because we have the same last name. She just forwarded me a recorded message left again on her cell phone about my credit card. I have asked them on numerous ocassions to stop contacting co workers, employers, friends about my debt! Now this is negatively affecting my employment. It shouldn't be a legal form of collection to harass anyone they choose to in order to gain attention.

Subject : Request for Debt Validation To Whom It May Concern : I am responding to your recent communication regarding the alleged debt which you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute this debt and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following information : XXXX. The name and address of the original creditor ; XXXX. The amount of the alleged debt, including an itemization of any interest, fees, or other charges ; XXXX. Copies of any documents bearing my signature showing I agreed to assume the debt ; XXXX. Proof that your agency is authorized to collect in my state ; XXXX. Proof that the debt is within the applicable statute of limitations ; and XXXX. Documentation showing your legal authority to collect this debt if it has been assigned or sold.…

I am submitting this complaint regarding retroactive deferred-interest charges applied to my XXXXXXXX XXXX XXXX XXXXt XXXX by Comenity Capital Bank XXXX A prior CFPB complaint regarding this issue was closed for procedural reasons related to authorization and communication issues because I do not speak XXXX and relied on translation assistance. I am submitting this complaint directly as the account holder so the complaint can be reviewed on its merits. I do not speak XXXX and relied on translation assistance and translation applications to help prepare this complaint and to help understand the financing terms associated with this account. However, this complaint is being submitted by me as the account holder regarding charges on my own account. At the time this financing was presented and agreed to, I did not understand that this was a deferred-interest product with retroactive interest.…

I was on my credit report because I applied for XXXX to buy and I seen this on my credit report. I never had a card from this company before I tried to call the company XXXX XXXX number to get more information about the application when it was filed and is it possible for a camera footage or where it was taking place for the application to be put in that I did not put the application or give consent for application to be put in at this company

Subject : Formal Complaint Regarding Unexpected Interest Charges on Promotional Financing Respected Team, I am writing to formally raise a complaint regarding unexpected and excessive interest charges applied to my account after completing a 12-month promotional payment plan. In XX/XX/year>, I purchased a ring from XXXX XXXX and was offered a 12-month interest-free payment option. I accepted this offer and set up auto-pay for the full 12 months, believing this would fully satisfy the balance without any interest, as represented at the time of purchase. At no point during the purchase processor afterwardwas I clearly informed that : * The financing was managed through Bread Financial in connection with XXXX XXXX, or * A high interest rate would be applied immediately after the 12-month promotional period, or * That failure to pay the entire balance by a specific date would result in such a large interest charge.…

I have made several requests for over a month for a replacement card. Each time they stalled with a generic standard message about waiting 7 to days for an update. I have never been late or missed a payment.

I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports.…

The company changed names but According to your credit report, the Comenity Capital Bank account ( Account XXXX. XXXX ) was updated to a " Charge Off '' status in XX/XX/year>. PDF Under the Fair Credit Reporting Act ( FCRA ), negative accounts can only remain on your report for up to 7 years from the date of the first initial delinquency. Because your timeline is close to that 7-year expiration window

Subject : Urgent Investigation Request : Severe Financial Exploitation, Illegal Account Lockout, and {$1500.00} Theft/Overpayment by Bread Financial / Comenity Capital Bank Complaint Narrative : I am filing this updated formal complaint against Bread Financial ( operating as Comenity Capital Bank ) regarding my XXXX XXXX XXXX XXXX XXXX, Account Number ending in [ XXXX ]. I now have concrete evidence of severe financial exploitation, billing errors, and blatant regulatory violations that resulted in the bank stealing {$1500.00} from me and illegally ruining my credit profile. XXXX. XXXX XXXX Accounting & Fraudulent Collection Balance : Historical statements from this account completely disprove any claim that I owed Bread Financial money. On XX/XX/XXXX : I had an email statement confirmation proving that I had {$1600.00} available credit out of a {$1900.00} total limit. This mathematically proves that my actual balance on the card was only {$200.00}.…

I am filing a formal complaint against Comenity Bank for severe violations of the Fair Credit Billing Act ( FCBA ) and predatory accounting practices regarding my Woman Within credit card account. As documented on my official XXXX credit report filed by XXXX XXXX XXXX, who purchased this debt, this account carried a strict Credit Limit of {$500.00}. However, Comenity Bank allowed the balance to balloon to a " Highest Balance '' of $ XXXXnearly triple my allowed limit. This inflated balance consists entirely of predatory late fees, over-the-limit fees, and interest compounded while Comenity Bank suffered a documented, nationwide core-system lockout in which a federal class action lawsuit remains ongoing against Bread Financial and its subsidiary, Comenity Bank , regarding a major service outage in XXXX and XXXX of 2022.…

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

i RECIEVED THE SAME PACKE FROM YOU AND THE CREDITOR. i ASKED FOR PROOF THAT IT WAS ME. I ALSO MAILED IN PROOF OF IDENTITY FRAUD. THIS WAS NOT DONE BY ME AND I NEED IT REMOVED

I am filing this complaint against Comenity Bank regarding a XXXX retail credit card account. I recently completed an 18-month 0 % promotional period. Due to an honest oversight, I missed the exact expiration deadline by a very narrow window. As a result, Comenity Bank retroactively applied a massive lump-sum deferred interest charge to my account. I immediately contacted customer service and a supervisor to resolve this. I explicitly offered to pay off the entire remaining principal balance in full over the phone immediately if they would grant a one-time goodwill waiver for the interest. The bank refused to review my positive payment history or offer a goodwill exception, stating they could not reverse a 'valid charge. ' I am not disputing the contract terms, but rather requesting an executive review for a standard industry goodwill adjustment. I am fully prepared to close out the original principal balance today if the deferred interest charge is waived.…

I applied for an XXXX XXXX credit card after receiving a pre-approval notice. Comenity/Bread Financial required me to call and verify information. After verification, I was told I was approved and that the card would be sent. I was not told that I was being approved for or issued a different credit product. I later learned Comenity issued an XXXX XXXX card instead of the XXXX XXXX. This is a materially different product. The XXXX XXXX can be used anywhere Visa is accepted, while the XXXX XXXX card is a store-only XXXX credit card. I did not authorize Comenity to open a XXXX account in place of the XXXX account I applied for. Comenity is now telling me I must cancel and reapply, which would create additional credit-report damage for a problem caused by Comenitys handling of the application and clear failure to disclose what they were doing. This is clearly deceptive business practices on the part of Comenity.…

I am submitting this complaint regarding my financing account with Zales because I believe I was misled about the promotional financing terms and unfairly charged excessive interest. I made purchases through a promotional financing plan with the understanding that I would not be charged interest if the balance was paid within the promotional period. Unfortunately, after the promotional period ended on XX/XX/year>, I was charged approximately {$900.00} in deferred interest at an extremely high rate of nearly 38 %. At the time, I had recently been sick and was unable to make the payment before the promotional deadline. However, I was never clearly informed that missing the deadlineeven by a short periodwould result in retroactive interest being applied to the entire original balance. Had this been properly explained, I would have handled the account differently and paid the remaining balance sooner.…

I purchased an engagement ring through a XXXX XXXX XXXX plan in approximately XX/XX/year>. I intended to pay for the ring at time of purchase, but the sales clerk aggressively pushed this financing plan. I have never missed a payment and I have maintained the account in good standing. At the time of purchase, I did not understand that the financing was structured as deferred-interest financing where substantial retroactive interest would be charged from the original purchase date if any balance remained after the promotional period expired. I was led to believe it functioned more like a standard promotional installment plan. I also did not receive monthly statements at my residence warning that the promotional expiration date was approaching. After discovering approximately {$3000.00} in retroactive interest charges, I immediately contacted customer service multiple times seeking a reasonable resolution and even offered to promptly pay the remaining principal balance in full.…

Help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The account I've referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report. You may also reference time restraint, that an account under federal law may not be reported delinquent over XXXX years. In which this account is over that threshold. This account has been deleted previously but for unknown reasons, it was been reinserted onto my credit report.

I have had several mails from Comenity attempting to open cards for XXXX and XXXX XXXX. They got denied but XXXX got approved.

Purchased ( XXXX ) bras from Catherines online store on XXXX2025. Total {$62.00}. Returned items at the XXXX store approximately XXXX week later. Received an email that the return was received, and a credit would be made to my card. Received a bill with no credit posted, but thought that it crossed over so I paid the shipping and handling fee of {$15.00} which I understood to be nonrefundable. Waited for the next billing cycle, and still no credit. Started a dispute with the bank ( XXXX ) and Catherines Credit Card. I was told that while the dispute was ongoing that I would not accumulate late fees/interest on the account. However, I did continue to accumulate those fees. I spoke with the bank and Catherines multiple times and each time I was passed around to wrong departments, people that did not correct the problem. They kept insisting that they had sent a Gift Card for the credit. I have never received a gift card.…

I received an XXXX XXXX card from XXXXXXXX XXXX. On XX/XX/year>, I tried to make a {$500.00} purchase, which is below my credit limit. I confirmed my card was active and that I had available credit. I called the XXXX XXXX customer assistance number as provided to me by XXXX. I spoke with a gentleman named XXXX, who confirmed that I was a new account holder and that my purchase was declined. He then did some research and said the XXXX card is not accepted at the store I tried to purchase from ( XXXX XXXX ). I asked him if he had a list he could share of where the XXXX card is accepted, and he said there isn't one.