Consumer complaint received 2023-12-16
Product: Credit card — Store credit 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. (CA)

XX/XX/XXXX as the account holder ( account ending in XXXX ) of XXXX XXXX XXXX Credit Card trough Comenity Capital Bank I signed documents for a XXXX XXXX  of my son XXXX XXXX XXXX ( patient ) to be performed by XXXX XXXX XXXX XXXX XXXX in accordance with the Active Treatment Plan ( XXXX ). According to this plan the bank would have released {$10.00}, XXXX to XXXX XXXX. ( See the attached file named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX received an XXXX by XXXX XXXX ( identified as Visit XXXX and Visit XXXX on the active treatment plan ) in the amount of {$410.00}. There were no other treatments or visits to XXXX XXXX since my son ( patient ) cancelled all further treatments within the time limit of 72 hours specified in the Active Treatment Plan ( 1 ). Consequently, due to his cancelation, a tread was made to him by XXXX XXXX that there may be some additional ( undefined ) charges applied to him besides the charges for the XXXXXX/XX/XXXX submitted first dispute in relation to the tread. ( See the attached file named : XXXX XXXX XXXX XXXX  XX/XX/XXXX my son ( patient ) received an unusual ( no correlation with signed documents for his XXXX XXXX XXXX invoice from XXXX XXXX dated XX/XX/XXXX ( 3 months later than was the initial and the only service he received on XX/XX/XXXX ) showing the name of items charged being XXXX XXXX  for XXXX XXXX  at {$370.00} each. The invoice must have been submitted to Comenity as well since they adjusted my account balance correspondingly. ( See the attached file named : Certified Letter Sent to Comenity for All Occurred Events and Related Matters. ) XXXX to XX/XX/XXXX my responses on Comenity website disputing all charges except {$410.00} for the only service received by my son ( patient ) from XXXX XXXX on XX/XX/XXXX. ( Documents are available, however could not have been attached due to limitation of file capacity. ) XX/XX/XXXX continue disputing all charges except {$410.00} in respect to {$10.00} submitted by Comenity to XXXX XXXX. ( See the certified letter from XXXX XXXX XXXX ( patient ) to Comenity found in the attached file named XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX to XX/XX/XXXX continue disputing all charges except {$410.00} in respect to {$10.00} submitted by Comenity to XXXX XXXX. ( See the certified letters dated XX/XX/XXXX and XX/XX/XXXX sent to Comenity that are found in the attached file named : Certified Letters Sent to Comenity. ) XX/XX/XXXX to XX/XX/XXXX refusal by Comenity to recognize and accept the facts provided by us that there could not have been any additional service rendered by my son ( patient ) besides the XXXX in the amount of {$410.00} on XX/XX/XXXX. Logical and factual : THERE WERE NO IMPLATS RECEIVED OR INSTALLED IN MY SON MOUTH AND THEREFORE ITEMS NAMED SURGICAL STENTS COULD NOT HAVE BEEN USED/PROVIDED. ALSO, THERE ARE NO SURGICAL STENTS SPECIFIED IN THE ACTIVE TREATMENT PLAN ( 1 ). THEREFOR, THE SURGICAL STENTS IS A COMPLETE FABRICATION BY XXXX XXXX PROBABLY DUE TO MY SONS CANCELLATION OF A FURTHER TRETMENT. As for Comenity Bank, it is hard to know and to understand what the problem is with their personnel.