Consumer complaint received 2017-07-29
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Secure Message Center Back to Inbox Reply From : YouSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : Comenity BankSubject : Re : StatementsMessage ID:XXXX I did n't apply for bankrupt!!! You lied!!!! From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department .
Comenity Bank issues your account and responds to all credit related inquiries.
We regret to inform you that the previous correspondence sent to you was incorrect.
We apologize for any inconvenience you 've experienced with your account.
It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. Please be informed that your XXXX account was suspended on XX/XX/2017 when your petition for bankruptcy was received. We have received your inquiry in regard to your XXXX account. We have notated the account in regard to your inquiry. However, it is recommended that you contact your attorney and have a letter sent to the address below stating that the XXXX account has been excluded from the bankruptcy. We are unable to remove the restriction without the letter. Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX - XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Previous Reply Follows : -- -- -- -- -- -- -- -- -- -- -- - Thank you for your recent inquiry to our Customer Care Department. Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original From : Comenity BankSent : Saturday, XXXX XXXX, 2017 XXXX XXXX ( ET ) To : YouSubject : Re : StatementsMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . Comenity Bank issues your account and responds to all credit related inquiries. I apologize for any inconvenience you 've experienced with your account. It 's our goal to provide superior customer service, and we 'll use your feedback to improve our customer care interactions. For better assistance we request you to mail your inquiry to the address listed below : Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX XXXX We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team

Company response to consumer: Closed with explanation