Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX Sunday To ; Office of Civil Rights Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Phone : XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX Subject : Submitting A Complaint of Fraudulent Policies at Comenity Bank/XXXX XXXX XXXXXXXX XXXX XXXX Comentiy Bank XXXX XXXX XXXX XXXX, Ohio XXXX I XXXX XXXX, is requesting assist with your organization to help me. XXXX Comenity Bank stop this fraudulent policies with my account. For most I have good credit I work very hard to accomplish this goal. Comenity Bank has done some wrong practice to me. I pay my bill on time and send it to them on time. 

To inform you of my complaint which happen to me twice. A lot of times I would paid {$500.00} dollars to try to get my account lower and lower interest rate also lower payment. But Comenity Bank for some unknown reason would send the payment in for {$5.00} not {$500.00} ( This happen to me on XX/XX/XXXX and payment wasnt due until XX/XX/XXXX and XX/XX/XXXX and payment was due until XX/XX/XXXX. Again I am never late with my payments ) So then they want to make me pay late & interest rate higher ( which didnt happen because I wasnt late or sent payment of {$5.00}. With their fraudulent polices I will never be able to pay this credit card off ) So I did some research and I located a Comenity BanK at XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX. Phone XXXX XXXX XXXX hours XXXXXXXX XXXX XXXX XXXX XXXX First I called the phone number, it went to an agent working from home and reply that I would have to submit a dispute letter. I explained that this has happen to me back in XX/XX/XXXX and now it happen again XX/XX/XXXX, XXXX XXXX repeated to submit dispute letter. Which I did send dispute letter and now waiting XXXX to XXXX days for someone to contact me. But not only that I got up early XX/XX/XXXX and drove to Comenity Bank in Delaware. I arrive their at XXXX XXXX  ( which is a hour and XXXX minutes from my home ) when I got to the Office which as a big sign saying Comenity Bank, on the door and the doors lock and their was phone on the wall, so I pick up someone answer saying thy where the security person and she explain no one working within the office. Told me to look on my bill to get a phone number to call a rep. I also ask for my checks to be send back to my bank and they didnt at my request. My bank did support me with a letter to send in the dispute, also they have tracking number but no one can locate the checks. 

Please assist me with get a fair and honest relationship with the client me ( XXXX XXXX ). 
If they look at my account as I stated that I do pay on time. I would like to offer Comenity Bank that I would pay half of the total bill, once everything is corrected to aloud me to paid off and close this account with no penalties. I feel that would be all round fair. For Comenity Bank also reported to Credit Bureaus late payee and that isnt true. 

There is no way that I am going to pay this credit card off, with the Fraudulent Policies that Comenity Bank practice. Comenity Bank is own by Bread Financial ( XXXX XXXX XXXX ) I also call them serval times and got forward to Comenity Bank. 

Please someone help me with this matter, please contact me at the above information at any time. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief