Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX XXXX I have three main issues with Comenity Capital Bank 1 Comenity charged late fees to my account that was under dispute 2 Comenity submitted deregulatory credit reports on a disputed late fee 3 Comenity proposed a solution to resolve the dispute and did not uphold their end after receiving payment.

I want Comenity to do the following 1 refund the {$65.00} I paid as part of the initial resolution 2 Credir the {$140.00} in fees and late charges they placed on the account even thought the account was paid in full.

Im sending the enclosed information to follow up with my dispute of the Community Capital/XXXX account XXXX I did not have this information available in a format I could upload with my initial online dispute. When attempting to get back into the online dispute to add additional information, the system had already closed the dispute and I couldnt upload the attached information.

Comenitys representative indicated that they do not respond to messages ( disputes ) left in their system or disputes in writing or by phone to their customer service team. They did not accept any responsibility for the first bill getting to me late or their systems inability to accept my payment XXXX XX/XX/XXXX when I entered it into their system. The system post dated the payment to XX/XX/XXXX even though it was input in time to be credited on XX/XX/XXXX. 

XXXX not sure at the moment who-else I should report this to but Im filing a complaint with. I paid {$65.00} in late fees to settle the account to maintain my credit score and history, not knowing that Comenity had already reported the account while under dispute. 

I paid the account in full ( {$200.00} ) on XX/XX/XXXX ( due date ) Comenity system post dated my payment to the next day XX/XX/XXXX I informed Comenity and ask that they not charge a late fee Comenity charged a late fees on the account even though it was under dispute Comenity charged additional late fees Comenity informed me they dont respond to messages left on their system, and that account statement information is their method of responding to disputes No manager was available to discuss account I disputed the original late fee in writing.

Comenity indicated that they waived the 3rd late fee.
I asked for the first late fee to be credited and there would be no other fees Comenity had a balance of approximately {$100.00} Comenity and I agreed on {$65.00} to settle the account in full on XX/XX/XXXX I paid the {$65.00} on XX/XX/XXXX I received XXXX statement with XX/XX/XXXX payment date with {$43.00} balance outstanding Comenity applied the payment of XXXX but did not credit the balance as promised I received the XXXX statement with XX/XX/XXXX payment date with {$82.00} balance I received a notice from my credit monitoring agency that Comenity filed a late notice against my account that was under dispute. 

I want to report this this to the appropriate regulatory agency not only to get my money back but to start an investigation into Comenity to see if they are repeat violators and taking advantage of others by making inappropriate charges to their account and submitting false credit reports. 

Thanks XXXX XXXX XXXX This account is currently under dispute Account info Account name COMENITYCAPITALXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$43.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$37.00} Credit limit {$1600.00} Highest balance {$200.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Past due XXXX days XXXX Past due XXXX days

Company response to consumer: Closed with monetary relief