Consumer complaint received 2018-01-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
in XXXX XXXX, i ordered some items from XXXX clothing, which is backed by comenity bank. my order totalled about XXXX dollars and i qualified for free shipping. when the order arrived i did not like the items and returned them the day after arrival. i contacted XXXX and was told as soon as they processed the return i would be notified. they sent me an email 2 weeks later that the items were returned and that i owed {$7.00} return postage fee. ui would be billed accordingly. i received no bill in XXXX XXXX, no communication at all. near the end of XXXX i received a bill for {$50.00}. i called XXXX  and was told they had attached a late fee. i informed them i had never gotten a bill since i returned the items in XXXX XXXX they apologized and confirmed i owed {$7.00} return postage. i received a bill in XXXX XXXX, not only had they not corrected their error, they had added yet another late fee, now the bill was XXXX.. i contacted XXXX again, they told me it was n't them it was comenity bank and i needed to speak to them. i tried to do so, but was told a lot of lies, one claiming i owed shipping and handling of {$22.00}, plus the {$7.00} return postage fee. i pointed out that i had had free shipping and even XXXX admitted i owed {$7.00}. i was not able to reason with comenity bank, i called XXXX again, and was referred to comenity bank again. then in XXXX XXXX i received a bill for {$120.00}!. mind you i had not bought anything. they just kept adding on late fees, no attempt to correct this situation on their part occurred. i kept telling them i never received any bill until XXXX XXXX, so how could i pay the postage fee before that? XXXX kept referring me to comenity bank which i attempted to reason with. i was told in XXXX and XXXX XXXX that they had no record of my account. XXXX then told me the same thing. i was unable to get anywhere with with company.. in XXXX XXXX i received a bill for over {$200.00}!!!!!!! then a letter from comenity saying to call their resolution team. that was a joke, the woman over talked me, did n't care what i had to say, i hung up in disgust. the BBB was of no help whatsoever in this matter. i filed a review of comenity bank on the BBB website. they responded with the same lies over and over, insisting i owed {$22.00}. for shipping and handling plus {$7.00} for return postage, that i had not paid my XXXX bill. i reminded them i never received a XXXX bill. they ignored that detail, so far they have sent me 2 letters reiterating their lies a they stated in response to my review. i informed them online to cease contacting me over this because its not a valid debt but an error on their part. they then sent me another letter, just like the previous one, basically saying i am lying because in THEIR phone records, no one ever told me i had no account. of course these companies lie. i refuse to pay their extortion of now over {$200.00} in late fees for {$7.00} return postage fee. this situation is ridiculous. my attempts from XXXX on to settle this were treated as me lying, and them claiming to be honest. this company needs to be shut down. i am XXXX yrs old on ss XXXX, and will not be bullied into paying comenity bank for not buying anything. i gave them notice in writing to stop harrassing me, so they promptly sent me another lying letter.

Company response to consumer: Closed with explanation