Consumer complaint received 2022-05-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX LETTER OF INTENT Re : Comenity Bank COMENITY bank is a waste! 

I opted to obtain a credit account with my favorite clothes retailer, which unfortunately is affiliated with Comenity Bank. 

I started my account in XX/XX/XXXX in order to purchase badly needed clothing. You see, We are a Military family that just flew back in to the states after living XXXX  for three years. We are making a permanent move back home. I needed the clothes because we are living out of our suit cases. In addition we were still waiting for our reimbursement from the military for our move. We still are. It was just a couple of XXXX XXXX  so I did it. I need jeans shirts and under garmets. I said I would make payments until I received my tax refund and paid the balance in full, which is precisely what I did. 
Fast forward. 

Why was my credit card not sent to me? I have never received a credit card, account number, or bank statement in the mail. To this day no huge deal, correct? Am I not a responsible adult? I am aware that payment can be made by phone call. The situation is really uncomfortable, but so what? I value keeping an excellent credit score ; therefore, I go the extra mile and jump through hoops for this organization. 

I have a business meeting in XXXX that requires formal clothes. Thus, I visit my preferred store that is associated with the credit card in question. Again, no problem ; I have a store credit card. Since I don't have my card yet, I suspect there may be an issue, but I'll find out anyhow. I know a lot of times you can use your credit in store with out the card. You just need to provide photo ID and answer all my billing information correctly. 

The store manager tells me that my lack of a credit card will not be a problem. So, she seeks to investigate me, but her efforts are unsuccessful. ( I established this account in XXXX! ) Therefore, I contact Comenity bank and describe the issue. A representation indicates that everything is fine. She provided a new card after determining that everything was in order. Said that most likely, it will arrive within 10 business days. XX/XX/XXXX finally arrives. Still no cards or bank statements. When we get our tax returns, I call the dreaded credit card phone number. Enter my information and pick full payment in the amount of XXXX. I'm purposefully looking to pay for the full balance. I hit submit. 

I pay off my credit card. Sweet triumph. 

A week later, I got a letter from Comenity bank. I think it's the card, but instead it's a letter advising me that they are unable to issue me with a card and, as a result, my account will be closed. They expressed thanks for my patronage. After being such a loyal customer. HUGE SLAP IN THE FACE, if you ask me, but oh well, it is what it is, and I'm glad I paid up my account and our relationship is over. Or so I believed! 

Today, XX/XX/XXXX I get a call and they informed me that I'm still owing XXXX cents. 

EXCUSE ME?! How?! Where?! Why?! After what you all did to me. Add insult to injury. 
These individuals are setting up their consumers for failure. Ill take my business and hard-earned money elsewhere. 

As a paying customer with the right to see any paperwork, I feel there are also illegal acts happening here. 99.9 percent of my documentation has not been provided. As a result, I lack access to my account online or to statements that offer a visual representation of what I owe in order to make the appropriate payments. 

Now they regularly contact/harass and message me about the issues the company has created. 

I called XXXX XXXX  and spoke with a number of personnel. When I sought to speak with a supervisor along with the department of fraud, I was instructed the supervisor line was busy and to call back later. 
Is there anybody who can help me hold this company accountable for their actions? Any information would be much appreciated. Maybe a lawyer? There may be many others like me, and this company 's shoddy business practices are producing millions of dollars. These individuals are destroying my credit. This is not correct!

Company response to consumer: Closed with monetary relief