Consumer complaint received 2020-09-09
Company: Bread Financial Holdings, Inc.
State: OK
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:
Dear Sir/Madam, Since XX/XX/XXXX Ive notified Comenity Capital Bank to dispute a billing error in the amount of {$170.00} on my XXXX XXXX Credit Card Account. 

The XXXX  credit card amount of {$170.00} is inaccurate because : On XX/XX/XXXX I was prompted by the XXXX XXXX  Store # XXXX Cashier to apply for a credit card now for an additional savings on your purchases! The Cashier assured me I could immediately open an XXXX Credit Card Account and pay for my purchases of {$170.00}, and then IMMEDIATELY pay for my purchases on my XXXX  XXXX XXXX debit card XXXX for the purchase of {$170.00} which was done, per enclosed bank statement, XX/XX/XXXX transaction amount = {$170.00}. 

On or about XX/XX/XXXX I was shocked to receive an XXXX Credit Card XXXX for the amount of {$170.00}. I immediately called Comenity Capitol Bank at XXXX and reported this error to XXXX at Comenity Capital Bank. XXXX additionally recommended I report this billing error via the Comenity Capital Bank website, which I did, and mailed Comenity a copy of my XXXX  XXXX XXXX Statement depicting the puechase of {$170.00} on my XXXX  XXXX XXXX Debit Card. 

On or about XX/XX/XXXX, I received a letter from Comenity Capital Bank requesting a I provide them with the electronic transmittal inquiry form along with the full payee information and the credit card account number from my bank for the {$170.00} transaction. 

On XX/XX/XXXX Ms. XXXX XXXX, XXXX  XXXX XXXX Relationship Manager in XXXX, OK provided the attached letter that contained the itemized data of the {$170.00} transaction. This information was immediately mailed to Commenity Capital Bank at XXXX. XXXX  XXXX, XXXX, OH XXXX On XX/XX/XXXX I received a letter from Comenity Capital Bank stating We are unable to track your payment with this informationand requested I provide them with " a clear copy of store receipt ''. 

As I reported to XXXX at Comenity on XX/XX/XXXX when I initially reported this billing error : My XXXX receipt was disgarded as I believed I had any reason to keep it. 

To concluded : 1 ) My XXXX  XXXX XXXX Back statements from XX/XX/XXXX through XX/XX/XXXX, for my XXXX  XXXX XXXX debit account number XXXX, clearly depicts the amount of {$170.00} was paid to XXXX XXXX store # XXXX in XXXX, OK on XX/XX/XXXX. 

2 ) XXXX XXXX XXXX XXXX from Ms. XXXX XXXX further confirms this debit card transaction and includes the following transaction information for the amount of {$170.00} debit card transaction : date/time of transaction ; Account Number From, Authorization Type, Terminal ID, Terminal Address, Terminal City, Terminal State,  Sequence Number, and Debit Card Expiration Date, for debit card number XXXX. 
XXXX XXXX + XXXX Credit Card statements which depict {$170.00} charged to credit card account number XXXX. ( Statements depict due dates of XX/XX/XXXX and XX/XX/XXXX. ) I have provided Comenity Capital Bank with my XXXX  XXXX XXXX bank statements and XXXX XXXX XXXX Letter confirming the {$170.00} transaction -- -and Comenity Capital Bank steadfastly refuses to credit my XXXX Credit Card for this billing error. Can the Consumer Financial Bureau please help me? 

Any assistance would be sincerely appreciated. Thank-you so much, -XXXX XXXX , XXXX XXXX XXXX , XXXX , OK XXXX

Company response to consumer: Closed with explanation