Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I received a text from the store XXXX inviting me to complete my credit card application. 
As I had not applied for a credit card with them, I proceeded to check with XXXX and saw that I had a hard inquiry on my report from XXXX with Comenity Bank. 
I also received an email on XX/XX/XXXX asking me how my store experience was and that is how I saw that the store was located in Arizona however I live in Florida and was not in Arizona on that date. From the survey email I received it seems the store this occurred at is : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX I then called Commenity Bank and they confirmed that a charge of {$450.00} had been placed on this new credit card that I did not open. I have disputed this transaction with them. 
I also contacted XXXX to remove the hard inquiry and place an alert on my file to prevent any additional fraudulent activities. 
Later on XX/XX/XXXX, I received an email from my Sephora credit card account stating that my payment was due. I did not have any recollection of using this card recently ( I did have a Sephora account previously opened, but the card was not being used ). I logged in and realized that on XX/XX/XXXX, someone also used my existing Sephora credit card to purchase {$870.00} worth of merchandise in a store in Arizona as well. I did not make this transaction and was in Florida at that time. My Sephora card is also operated by Commenity Bank. From what I can see on my Sephora account it seems that this transaction occurred at this address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX Since I was traveling for the holidays internationally, I could not call the bank to dispute the transaction until XX/XX/XXXX but the dispute for this transaction was submitted on that day. To my knowledge, there has not been any additional fraudulent transaction. 

I reported both charges as fraudulent to Comenity bank and disputed the XXXX charge and the Sephora charge. 

I have just learn through my dispute with XXXX to remove it from my credit report that my sephora dispute was denied by the bank and I was not provided any information as to why even though the charge was made in a different state that I live in and I can prove from other charges on my various card and most likely different means that I was never in Arizona at that time and I live in florida. 

I am submitting this complaint specifically regarding the XXXX card purchase as I submitted a separate complaint for the XXXX charge since the XXXX credit card was an account opened without my consent or knowledge however the Sephora card was an account I had already opened a few years ago but the charge made on it however is fraudulent, therefore i am submitting a complaint for the Sephora dispute separately.

Please help me to reach out to Comenity Bank and get them to remove this charge as it is not mine and I never made this Sephora purchase in Arizona. 

Thank you.