Consumer complaint received 2022-03-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I previously sought assistance from your agency with the following complaint, though my initial submission appears to have been inadvertently miscatergorized. I would like to expand my concerns to now include yet another adverse action taken against me ( the closing of my XXXX charge account ) which I never once requested as a resolution to my original dispute and, which I firmly believe, constitutes discrimination/retaliation based on my open disclosure of being a recipient of XXXX ( XXXX  ) income. Please review the following text along with my supporting documentation, which is attached. You will find that the closing of my charge account was never a requested action nor resolution to my original unauthorized billing/improper credit reporting dispute. In fact, had I not brought forth my initial concerns nor disclosed my XXXX income, XXXXComenity Capital Bank would not have otherwise closed out my charge account without advance notice, valid reason or full disclosure. Moreover, this action is discriminatory and appears to be in direct violation of the Equal Credit Opportunity Act ( ECOA ). 

In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXXComenity Bank on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " totally and permanently XXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with visual and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated. 

Please note that I filed a dispute with XXXX and provided supporting documentation ( including my XXXX XXXX XXXX XXXX ). XXXX/Comenity bank upheld the late fee and derogatory credit reporting, and they closed out my charge account, undoubtedly due to my current XXXX status.

Company response to consumer: Closed with monetary relief