Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
CFPB, as it mostly only assists connecting with companies to respond, need it to get Comenity to directly respond about the concerns already brought to its attention since XXXX so, it was not as Comenity had not known concerning it. As workers refused to connect me to the appropriate worker working on this, going through CFPB to get its response ; as CFPB as a federal agency, able to get most companies to respond ; though its just to respond, with no oversight of regulations, unfortunately. Anyways, it should have no need of any occasion as it had been ensuring that it inappropriately does not resolve any concerns since XXXX so, it has been plenty enough additional times. Its not necessary for it requiring additional time to conduct its investigation that goes no where. 
Had it been truly thorough or extensive, it would contact me or provide a worker for me to connect when they requested In order to resolve and/or investigate the concerns, we need the contract provided from the merchant, true? Where do i provide such requests to at Comenity? How do i let it know that it needs to contact XXXX  for its desired contract, as XXXX had been ignoring avoiding any requests i ask it for, also i have been unable to call through to any worker, same as Comenity, unresponsive with no worker contacts so, unable to obtain any contract so, Comenity needs to get it itself from XXXX, not from the clients. This was where the matter was wrong. Had i been able to communicate with XXXX, would i seek Comenity to handle the fraud charges?

Prior to its irresponsible denial, Comenity refused proper responsible assistance to its clients by denying clients rights by asking for more detail descriptions of the charges with XXXX, which were provided many and countless times, it now denies clients rights again, using the ploy of needing the contract so to assist? Why it did not seek this years ago? XXXX  year. 
Does it truly apologize for any inconvenience? Or this is just its methods of providing its other deceptive practices of not truly resolving clients concerns? It provided no responses ever prior to letting CFPB knows. we'll provide our response immediately upon the conclusion of our investigation Without letting a federal agency know, Comenity never concludes any of its investigation. It shows. From years ago. XXXX  year. Kindly CFPB, actually enforce financial places such as Comenity, instead of letting it off. Hold its workers responsible, not just allow companies senselessly Company 's Response, which are useless with all of the concerns still all unresolved ; as shown, as revealed. The CFPB is an independent federal agency built to protect consumers Otherwise, this whole government agency stuff is truly useless and meaningless truly.

Comenity Workers, your previously letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff. How much the same additional information can be provided? truly. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide your repeat additional information to you, also, no worker to contact that handles the concerns. Besides the postal mails, your online acct log-in had been unable to contact to the department of worker working on the concerns. Again, here are the same additional information that you desire. XXXX XXXX connected me with XXXX XXXX. Already mentioned previously. Repeat here again, This company supposedly provided repairs to homes as warranty. When using its services, requested claims, they would not respond. Tried reaching them through e-mails, telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. XX/XX/XXXX called with e-mails. XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX  workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. 
Again, provided to Comenity. Comenity has not provided any assistance with this, delayed years. Now XXXX. Any more repeat information, you may contact me through the contacts that you have on file with me. 
Close Comenity. XXXX close credit card

Company response to consumer: Closed with explanation