Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Comenity Capital Bank Attn : Account Protection / Fraud Department XXXX XXXX XXXX XXXX, Ohio XXXX Re : Demand for Correction Under the Fair Credit Billing Act Account Ending in XXXX To Whom It May Concern, This letter is a formal refute and dispute of your recent correspondence regarding my previous fraud and billing dispute for unauthorized charges on my Comenity Capital Bank account . Your letter dated [ insert date of their letter ] is both factually and legally insufficient under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq.

1. Fair Credit Billing Act Violations Under the FCBA, I have the right to dispute unauthorized or erroneous charges, and you as the creditor are legally obligated to investigate and correct those billing errors.

Your response stating that you " found no basis to support the fraud claim '' does not satisfy your duty under the FCBA, as no supporting documentation, investigation results, or merchant affidavits were provided to substantiate your conclusion.

The FCBA clearly states that I am only responsible for up to {$50.00} of unauthorized charges, and your own published XXXX Liability for Unauthorized Charges policy confirms that customers are not responsible for fraudulent transactions.

By maintaining the fraudulent balance of {$1100.00} and transferring it to a new account, you have continued billing me for unauthorized charges in violation of both federal law and your own fraud protection policy.

2. Supporting Evidence Previously Provided I have already submitted, via certified mail with tracking, all documentation you requestedidentifying the disputed transactions, merchants, dates, and an explanation of the unauthorized nature of those charges.

Your letter admits receipt of my claim and documentation but provides no valid justification or proof of an adequate investigation. This constitutes a failure to conduct a proper and fair investigation as required by federal law.

3. Demand for Compliance I am hereby demanding the following actions : Immediate removal of all unauthorized charges from my account balance.

Written confirmation that you have corrected my account under the FCBA.

Copies of any and all documentation, merchant notarized affidavits, or internal notes that formed the basis of your no basis to support the fraud claim conclusion.

A notarized statement from each fraud team member who reviewed and denied my claim, as you are asserting no basis without evidentiary support.

Failure to comply with receipt of this letter will result in escalation of this matter to the Consumer FDIC, the Office of the Comptroller of the Currency ( OCC ), 4. Summary Your current position is in direct violation of both federal law and your own written zero-liability policy. I expect this matter to be resolved immediately and the fraudulent charges to be reversed.

I noticed that these stalltactic letters are being generated by call center in XXXX, also the XXXX names XXXX  names that are being placed on this stall tactic letters is that these Hindus that are in the country of XXXX have no Idea what the Fair Credit billoing act is, have no idea about the XXXX fraud liability, they have no idea about a notarized affidavit, an investigation was never made as obligated by United States Federal law. 


Sincerely, XXXX XXXX Enclosures : Copy of your letter ( Final Response ) Copy of my prior dispute and supporting documents Copy of the Fair Credit Billing Act summary

Company response to consumer: Closed with non-monetary relief