Consumer complaint received 2021-07-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX, I ordered a sweatsuit top from Victorias Secret for {$62.00}. During this time I also requested that my due date be moved to later in the month due to unsteady pay during the pandemic in which the request was granted. I was told by a representative that I didnt need to make another payment until XX/XX/XXXX. My XX/XX/XXXX Victorias Secret Comenity Bank account statement reflects this change. 
On XX/XX/XXXX, I made a payment of {$150.00}. This payment covered the balance of {$62.00} for the sweatshirt ordered in XX/XX/XXXX, plus purchases made on XX/XX/XXXX in the amount of {$57.00} and {$36.00}. These three purchases total {$150.00} plus the {$2.00} interest fee which equals {$150.00}. XXXX payment was covered in full with this payment of {$150.00} made on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX separate purchases were billed to my VS Credit card : One purchase for {$56.00} and another for {$64.00} which was a pair of sweatpants ordered in XX/XX/XXXX but were on back order and were billed on XX/XX/XXXX. The sum of these charges were {$120.00}. I did not receive the bill for these purchases until early XX/XX/XXXX. I began receiving collections calls at the beginning of XX/XX/XXXX, prompting me to make a payment of {$56.00} on XX/XX/XXXX. This left a balance of {$64.00}. The sweatpants that cost {$64.00} billed XX/XX/XXXX never arrived and the charge was refunded on XX/XX/XXXX. I contacted Victorias Secret in XXXX and XX/XX/XXXX expressing issues with my order including the pants that cost {$64.00} that Id been billed for that were never received. I was under the understanding, after speaking with multiple Victorias Secret customer service reps, that these purchases would be reflected on the next bill. I did not receive that bill until early XX/XX/XXXX. On XX/XX/XXXX I made a purchase for {$100.00} and {$62.00} which is a sum total of {$160.00}. There were finance charges applied to the account in the amount of {$2.00}. This totals {$160.00}. I made a payment of {$170.00} on XX/XX/XXXX, leaving me with a credit of {$2.00}. I was charged a late fee of {$29.00} from the XX/XX/XXXX bill that I didnt receive until XX/XX/XXXX. Although I dispute this {$29.00} fee, if applied, I would have owed {$26.00}. A pair of blue legging pants that cost {$25.00} from the order placed on XX/XX/XXXX had a hole in the XXXX. Victorias Secret mailed out the same blue legging pants which also had a hole in the XXXX. I contacted VIctorias Secret customer service regarding this and I was told that Id be refunded for the pants. If I did indeed owe Victoria Secret anything, it would be {$1.00}. I dispute that {$29.00} late fee which means that am owed a credit of {$27.00}. Victorias Secret has sent me a XXXX bill with a debt owed of {$30.00} which I dispute. A {$2.00} finance fee has also been added to the XXXX bill which I dispute. I have called multiple times to Victorias Secret Customer Service and Comenity bank to dispute this bill, and each representative maintains that I owe the {$30.00}. This bill is due XX/XX/XXXX and needs to be rectified. I do not owe Victorias Secret {$30.00}. At most, if I owe them anything, it would be {$1.00}. I maintain that I am owed {$27.00}.

Company response to consumer: Closed with explanation