Consumer complaint received 2024-04-05
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. (CA)

On XXXX I rented a car from a XXXX car rental franchisee in XXXX XXXX, XXXX and was the victim of their fraud in multiple ways. I was the victim of forced placed insurance when the card I originally planned to use, XXXX Amex, has sufficient insurance per XXXX law, I was given a defective car that XXXX XXXX  refused to exchange, and all paperwork was written in Spanish and I wrote " disputed '' next to my signature in all areas required on the rental contract because I do not understand written XXXX well enough to understand a legal contract. Comenity did not confirm anything to me ever in writing in the mail or in the message center regarding any aspect of the charge, my dispute, the subsequent determination of fraud by a company closely related to XXXX XXXX that in XX/XX/XXXX would put through after a this original dispute was ruled by Comenity in my favor, up until XXXX, never once did Comenity send me a letter by USPS or via their online messaging about any aspects of the above per CFPB dispute resolution requirements after 30 days, to inform me of XXXX XXXX billing or their side of the dispute, their determination of fraud, nor Comenity 's unilateral decision on Sunday XXXX to " put a check in the mail '' for the balance of approximately {$1400.00} that had been in my account because I paid the balance in XXXX despite disputing the XXXX XXXX charge that I only found out about because I called on a recorded phone call on XXXX because I needed that balance that had been with Comenity for close to five months transferred to me ASAP due to my current financial situation. At no time did Comenity ever follow prescribed law of informing me of the dispute resolution process and I have contemporaneous proof of this and my communicating these facts to Comenity in their Messaging Center ( attached ). I had to chase Comenity about all aspects of their official, permanent reversal of my original dispute effective in early XX/XX/XXXX. In early XX/XX/XXXX, a closely related company to XXXX XXXX but not the same company from whom I rented according to Comenity put through a charge for the exact same amount that was reversed and Comenity itself as fraud, closed my charge account and said it was going to send me a new charge card but never did. Another contemporaneous record is the XXXX review of my interaction with XXXX XXXX updated by me on XXXX about the events of XXXX ( attached ) per my phone conversations with Comenity on XXXX based on what Comenity found, fraud, by a company closely related to XXXX XXXX in my account being recharged. That balance was the balance that Comenity allegedly " put a check in the mail '' on XXXX, and I recorded every call with Comenity that they stated they recorded, too. Then on XXXX ( attached ), Comenity sent me via encrypted email what I call a letter where Comenity commits crimes of fraud and theft where Comenity revises history that VISA was responsible for the two decisions in question, completely revises facts, that letters were sent me when I have never received a single letter from Comenity ever, and commits fraud and steals my money for reasons only Comenity knows while acknowledging its CSRs greatly mistreated me and stating it would credit me {$500.00} which my account has not been credited. VISA is not responsible for effectuating a dispute resolution, Comenity is. This XXXX Comenity letter sent via encrypted email gives zero reasons for any of the revised actions taken to commit fraud and steal my money when of my phone call of XXXX and per the messages in the Comenity Message Center, every aspect of this XXXX is fully contradicted and proven fraudulent to cover the crime of theft. 

NOTE : I keep meticulous notes as should be apparent by the attachments that include my online Comenity Messaging attachments. I have copies of every attachment I sent to Comenity as well ... every one I attached in my dispute, receipt of which was never confirmed by Comenity. I recorded every phone call with Comenity including the one on XXXX where four of their CSRs including one supervisor all hung up the phone on me. Their behaviors towards me including their CEO has been not only fraudulent and criminal, but broke every regulation relative to dispute resolution and should be closed to doing business with the public. If you require additional documentation, I have it.