Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Investigation Request Letter for Comenity BankXXXX XXXX XXXX ( I don't have account number because it was suppose to be closed. ) To Whom It May Concern : I received a copy of my credit report with the intention of improving my credit and taking care of my Responsibilities and noticed an account I would like a little more explanation on. I am not saying they are reporting right or wrong. I am saying I do feel that I feel it is inaccurate. I also read an article on the Fair Credit Reporting Act where it said by law I have the right to challenge anything I am not sure is accurate. 

Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, the account must be deleted. I would like this accounts deleted if it is not XXXX  % right and correct. 
Could you please check on this and get back to me? I saw on a Credit site and Board where the lawyer said you have XXXX  days to complete the investigation. Please investigate the following account and remove them if anything is missing or not correct on them. 

I demand the following account be verified or removed immediately. 

Comenity BankXXXX This account was onpened on XX/XX/XXXX. I was ready to pay for my items at the counter when a young cashier who may have been new asked if I would like to open a XXXX credit card. If I did I would receive {$20.00} off a purchase of {$50.00}. I was approved and she told me to buy XXXX more item to make up the {$50.00}. I purchased a gift card for {$20.00}. When she rang the items up the gift card was not allowed. She had to refund all items. In order to give me the {$20.00} of again she had to do it manually XXXX by XXXX and take a percentage off. I purchased the gift card seperately for {$20.00}. After she was finished taking calculating everything I used the gift card to pay and I used my own XXXX  to pay {$7.00}. this came to a XXXX balance. I asked if I owed anything more, because it was a long time consuming process by this cashier. We were both very confused, but again she said nothing owed. This was a nightmare and I walked out with a headache. I wished I never opened a XXXX card because it has done nothing but hurt my credit more. A month later I receive a statement from XXXX saying I owe {$20.00}. I called Comenity Bank several times and forwarded statements for proof which they claim they never received. I also said I wanted the account closed because I did not wish to keep this card due to such errors. They were rude! The amount is only {$20.00} which I could have paid with no problem, but it was the point of why I owed {$20.00} when my slip showed nothing. It has been some time now and they claim they called me in XXXX and I spoke to them and I never forwarded anything to them. Upon looking at my credit report I found that they added interest to this card. A {$20.00} cashier mistake and they want me to pay over {$300.00} for it. 

Recently I called to see if I could settle and once again explained. I was told they could removed {$160.00} from the Recovery Department. I then talked to the debt department and XXXX guy was arrogant and when I asked to speak to his supervisor he informed me there was no one else he could let me talk to. He was so arrogant I hung up the phone. I called back and talked to another gentleman he said he could remove most of the fees and I would pay {$39.00}. I asked if he could then delete this nightmare from my account and he said no. I wasted about XXXX hours and was so upset because I called once more and once again another guy I cant call them gentlemen because they were just rude and I asked for a supervisor after him not listening correctly. Finally, I spoke to a nice woman who listened to everything and advised me give her the names of the agents so she can report them. She advised me to write a letter to XXXX and the credit bureau and explain just as I explained to her. This is why I am writing to you. 

Once again I wish I never opened this account! I use to go in XXXX all the time, but no more. I have never had such trouble opening an account. As I said I immediately closed it and dont know why they left it open to tack on fees. 

I tried to enclose some statements for proof, but they are in PDF form and it says unauthorized every time I try. I can perhaps print copies of the statements if you wish me to mail them to you. The first slip shows I was approved. The second shows the itemized items adding up to {$57.00}. The discount could not be used with a gift card on the itemized list. The second slip shows the cashier refunded all items except for the gift card which added up to {$37.00}. This is where the discrepancy comes in. {$57.00} minus {$20.00} equals {$37.00}. The third slip shows she itemized the items once again to give me the discount for opening the credit card. She discounted each item manually XXXX by XXXX. This now adds up to {$27.00}. The XXXX  slip shows I paid this amount with the gift card I purchased with my own credit card. I paid the {$20.00} with gift card and used my mastercard to pay {$7.00} leaving me with a XXXX balance. I am totally confused by these actions. I dont understand why the card is still open all this time when I asked for it to be closed in XXXX during the dispute. Why would allow an account to obtain charges on a {$20.00} amount which would have been paid if explained why I owed {$20.00}. This does not make sense. Someone at the bank did not close the account as I asked. Yet this is my fault? 

Before sending this to you, I tried once again to resolve this with Comenity Bank. I talked to XXXX in XXXX  and was put on hold only to be disconnected. I called back and woman in XXXX was rude and said not her fault and tried transferring me to a supervisor which I waited XXXX minutes on hold for a supervisor to pick up. Again another nightmare and headache. This is the worse bank in my opinion to deal with. Rude, arrogant people. 

Thank you

Company response to consumer: Closed with monetary relief