Consumer complaint received 2023-02-01
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reporting Comenity Capital Bank for harassment and trying to extort additional money out of me through bullying tactics such as repeated calls, over 26 calls in a period of three days, and through negatively impacting my credit unless I " pay again '' and present a " check from my bank ''. The details of this complaint are below. 

Towards the end of XXXX, I opened a credit card for Comenity Capital Bank ending in XXXX. I paid the outstanding debt of {$66.00} on XX/XX/ to the account ending in XXXX and received a confirmation from Comenity Bank that payment had been received. The confirmation number for this is XXXX Payment was taken out of my bank account from Comenity bank for the card number ending in XXXX. I was sent a letter in the beginning of XXXX stating that I still owed {$66.00} despite receiving confirmation from Comenity that this amount had been paid. I called Comenity and spoke to an employee named XXXX who stated that I would need to send a letter with details of what happened as well as the confirmation number. I sent this letter the next day. Despite sending this letter, I received over 100 calls from unknown numbers, numbers from XXXX such as the XXXX number, calls from XXXX, XXXX, and a plethora of additional states stating that I owed {$66.00} with interests. 

I've called multiple times and have sent multiple letters at this point to resolve this issue and when speaking on the phone, I was told that it was " my banks fault '' for the outstanding payment and that I would have to pay the amount again or request a " check '' or " check number '' from my bank specifying the amount had been paid. I explained the information I had received from a XXXX and told the employee I spoke to that Comenity. I was told I would have to send another letter with a check or check number from the bank. When I requested to speak to a manager because the person I was speaking to could not provide assistance, I was told " no ''. 

Essentially, Comenity Bank refuses to rectify this issue and the company has succumbed to tactics of harassment and bullying to extort additional payment. The actions of Comenity have had a disastrous impact on my credit score and my ability to buy a home. My credit score has decreased substantially and Comenity refused to remedy this issue, despite my multiple attempts to rectify this issue. 

I am requesting that the CFPB to provide assistance and possibly provide assistance for this inaccurate report to be removed. I also am requesting the CFPB to address the harassment of Comenity Bank so future consumers are not negatively impacted psychologically, emotionally, and financially. 

Below, I have attached the different numbers used to call me. I have not included all the different numbers as I have deleted some of the calls. I have also attached the confirmation email stating the outstanding balance had been confirmed and paid. I am more than happy to provide additional information, such as phone recordings, etc.

Company response to consumer: Closed with non-monetary relief