Consumer complaint received 2019-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent this letter to Comenity today and also transmitted it to them electronically. The date of the original purchase was XX/XX/2019 in the amount of {$59.00}. I sent a settlement payment, to be delivered on XX/XX/2019, in the amount of {$63.00} which is the original purchase amount, $ XXXX {$4.00} of interest. 


XX/XX/2019 Customer Service Comenity Capital Bank dba COMENITY-XXXX XXXX + XXXX  XXXX XXXX XXXX XXXX, OH XXXX Dear Customer Service : I am writing you today concerning my account and requesting that you close this charge card. I have had several conversations with your collections people, the first of which I thought was someone just trying to scam me into making a payment. I did not remember applying for your card and suspected that it was just another clever scam to get me to give financial information to the caller, who was requesting a credit card payment. I told the caller that I would research the charge and if valid I would remit payment. I unsuccessfully searched for statements and for the credit card that your representative said was mailed to me. 

I went to the XXXX, where I shop, and they advised me that they could have opened the card at the register on a purchased to apply discounts. They asked for my account number, which I did not know. I kept receiving calls, exceptionally rude and less than professional, concerning the charges and again explained that I had not validated the charge or account they were referring to. I went to the Comenity website and did not see a listing for XXXX under store cards. I thought that it was strange that if I made a charge in XXXX, why you would wait until XXXX to call and inquire about this alleged charge. I then read the intention for credit establishment and started to understand the frequency and nature of your business model. This is not the type of credit that I need, and it appears to be predatory to those who do. 

Nevertheless, I continued to search my records and found the receipt from the purchase that I made in XXXX. It did mention that it was placed on a card account, but I still did not know the account number. I searched my pile of mail to be shredded and found the credit card and the statements. I submitted a payment of {$59.00} plus {$4.00} in interest charges which my bank should send to you on XX/XX/2019. 

I am requesting that you remove any negative credit reports that you may have placed on credit record. I am also requesting that you remove late fees, which in three months have doubled the original purchase amount, from my account. I am also requesting that that my account be closed immediately. You are not authorized to charge any of my financial accounts electronically, or any other manner, without my express written consent. 

I would like for you to correspond with only written communications, on this and any other matter, from this point forward to the address provided above. Send your response to these requests and an acknowledgement of receipt of payment from my bank. 


Sincerely, CC : XXXX Customer Service XXXX  Ohio Consumer Financial Protection Bureau File

Company response to consumer: Closed with non-monetary relief