Consumer complaint received 2023-10-29
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
You previously provided responses that were unresponsive to the problem. Please see complete timeline below : XXXX. XX/XX/XXXX - I paid in full the {$570.00} balance due to XXXX  XXXX XXXX for transactions made up to XX/XX/XXXX ( SEE ATTACHED INVOICE ) XXXX. Between XX/XX/XXXX - XX/XX/XXXX, I charged {$720.00} in new purchases on my card and received an invoice with a due date of XX/XX/XXXX ( SEE ATTACHED INVOICE - SAME AS ABOVE ) XXXX. XX/XX/XXXX - Autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX XXXX  account, and apparently rejected by XXXX  XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - A second autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX Bank account, and accepted by XXXX  XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT- SAME AS ABOVE ) XXXX. XX/XX/XXXX - I received a cash back/rewards/refund for {$190.00} XXXX. XX/XX/XXXX - I made a claim with my bank for the duplicate withdrawal, and my bank credited {$720.00} to me. In total {$1400.00} was initially withdrawn. I was credited for {$720.00}, and {$720.00} was the total amount withdrawn and paid to XXXX  XXXX XXXX for the final invoice I received from them ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - I contacted Comenity customer care because I received a bill ( without any transaction ) for an amount of {$720.00}, but I paid that amount in full on XX/XX/XXXX. I was told the issue with my billing was likely a conversion error XXXX. XX/XX/XXXX - I received another invoice for {$720.00}. It showed that a payment on XX/XX/XXXX was returned, but failed to show the payment on XX/XX/XXXX that was paid as evidenced by the BANK STATEMENT and BANK LETTER attached. 
XXXX. XX/XX/XXXX - Contacted customer care again and they were unwilling or unable to resolve my issue again XXXX. XX/XX/XXXX - Contacted customer care again, and they were still unwilling or unable to resolve my issue XXXX. XX/XX/XXXX - Closed my card due to your terrible customer service and unfair, deceptive, and abusive practices XXXX. XX/XX/XXXX - Obtained and provided to you a letter from my bank explaining that {$720.00} was withdrawn from my account and paid to XXXX  XXXX XXXX on XX/XX/XXXX ( their records actually showed the amount was withdrawn twice ) XXXX. XX/XX/XXXX - I contacted Comenity customer care again and Comenity was still unwilling or unable to resolve my issue and was unwilling or unable to provide an invoice with transactions for which Comenity continues to bill me. I have NEVER received a bill from Comenity including transactions for which I am being billed. If I was provided with a bill/invoice containing the transactions upon which my statement principal balance is based, I would be able to demonstrate that Comenity is duplicate billing for transactions that I made between XX/XX/XXXX - XX/XX/XXXX and paid in full on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XXXX XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me

Company response to consumer: Closed with explanation