Consumer complaint received 2022-05-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
SUMMARY OF XXXX  FRAUD XX/XX/XXXX My appointment was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  office was going to charge my XXXX XXXX {$1500.00} and XXXX XXXX {$1500.00} the receptionist office manager XXXX applied for XXXX  credit on her own computer for {$8500.00} claiming my insurance amount didnt cover total treatment cost of {$11000.00} I trusted them and signed fraudulent treatment plan with {$8500.00} XXXX  credit XX/XX/XXXX a total of {$11000.00} XX/XX/XXXX I requested XXXX  treatment plan copy to receptionist XXXX to see what my XXXX XXXX insurance was covering and what XXXX  credit was covering she said if I could stop and pick it up. When I got home, I didnt understand much of the XXXX  fees. 
XX/XX/XXXX I had to double check my XXXX  treatment plan billing, I did online researched and notice almost $ XXXX was just XXXX  fraud unbundling cost and unnecessary treatments. Once I became aware of dental fraud at XXXX I email XXXX  office to let them know to please cancel all XXXX  services. 
XX/XX/XXXX by law I gave XXXX  office 15-day notice to refund full amount of {$8500.00} back to XXXX credit XXXX. Due to Breach of Ethics, Breach of California Unfair Practices Act. ( Refund must be administered within 15 days of request. By XXXX XXXX, ( XXXX ) XXXX services : credit ) XX/XX/XXXX I summited my complain to the XXXX XXXX Case # XXXX XX/XX/XXXX XXXX  office denied my full amount refund and only refunded {$2700.00} back to XXXX XXXX. 
XX/XX/XXXX I disputed {$5800.00} with Comenity Capital Bank who issue XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX close my Case # XXXX claiming they didnt find anything wrong, and they dont handle administration violations like XXXX  fraud billing. 
on XX/XX/XXXX Comenity Capital Bank XXXX  credit denied my dispute said to arrange form of payment of amount due {$5800.00} to XXXX XXXX. I cancel all XXXX  treatment on time XXXX  office never did or completed any XXXX  services and the few XXXX  services they provide my XXXX XXXX {$1500.00} covers but as today XXXX  office never charged any XXXX  fees to my XXXX XXXX  insurance. 
XX/XX/XXXX I certified mail claim and defense letter to Comenity Capital Bank letting them know that I refuse to pay {$5800.00} for XXXX  services that were never done or completed, and I cancel on time. And I dont think I owe this money. If they claim I owe them money {$5800.00}? to please provide me a copy of the written or electronic notice XXXX type I had to signed under law? SECTION 1. Section 654.3 ( d ) of the Business and Professions Code ( d ) A licensee, or an employee or agent of that licensee, shall not arrange for or establish credit or a loan extended by a third party for a patient without first providing the following written or electronic notice, on one page or screen, respectively, in at least XXXX type, and obtaining a signature from the patient : ( there is none because I never signed one ) *And I never completed XXXX  credit application online check the IP address the receptionist completed on her own computer with my patient information form. And I was never giving a credit card pamphlet information before application. 
*And a copy of XX/XX/XXXX XXXX transaction {$8500.00} XXXX  detail billing of each fee. 

XXXX XXXX certified mail a Cease and desist letter to Comenity Capital Bank letting them know that I refuse to pay fraud amount of {$5800.00} for XXXX  services that were never done or completed, and I cancel on time. 
Comenity Capital bank never mail me a complete copy of XX/XX/XXXX {$8500.00} detail summary of each XXXX  fee that I requested or a copy my dispute investigation report. 
Now I will be hiring a lawyer and will suing the XXXX and Comenity Capital bank. I will seek relief under law Section 1 654.3 ( h ) and Section 2 654.3 ( K ) ( I ) consumer fraud protection because XXXX  fraud is consider a white collar crime under law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief