Consumer complaint received 2025-08-07 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 XXXX XX/XX/year> Customer Service Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX Subject : Dispute of Unauthorized Charges and Failure to Address Violations Dear Sir/Madam, I am writing to formally dispute unauthorized charges that have appeared on my XXXX XXXX account issued by Comenity Bank XXXX which ends in XXXX. These charges were first brought to your attention on XX/XX/year>, when I made a report regarding the unauthorized activity. Despite this, as of today 's date, XX/XX/year>, I have not received a temporary credit or any resolution of the unauthorized charges, which I understand is required under Comenity Bank 's Visa policy and federal regulations. 

As per Comenity Bank 's policy, I should not be held liable for charges that I did not authorize. I have followed the necessary procedures by reporting the issue promptly, yet I have encountered ongoing delays and have been provided with no substantive update. This lack of action has resulted in further frustration and financial distress. 

In addition, I would like to formally note that the Fair Credit Reporting Act ( FCRA ) has been violated. Under Section 623 of the FCRA, it is required that when a consumer disputes a charge, the account should be marked as " disputed '' with the credit reporting agencies. As of today, there is no indication on my credit report that the account is under dispute, which is a clear violation of protocol and an infringement on my rights under the FCRA.

Furthermore, the Fair Credit Billing Act ( FCBA ) has also been violated. I am entitled to a prompt investigation and resolution of disputes, as well as a temporary credit for the unauthorized charges. Despite my efforts to resolve this issue, I have received nothing but the runaround from Comenity Bank, which has failed to adhere to these regulations. 

Given the gravity of these violations and the lack of resolution, I demand the following actions be taken immediately : Temporary credit for the disputed unauthorized charges, as required by Comenity Bank 's policy.

A clear update on the investigation into the unauthorized charges and the actions being taken to resolve this matter. 

Ensure the account is marked as disputed on all consumer reporting agencies in compliance with Section 623 of the FCRA.

A full and immediate investigation into the failure to comply with the Fair Credit Billing Act and a formal response regarding the violations.

Please note that I expect a resolution within 15 business days from the date of this letter. Should Comenity Bank fail to act in accordance with the law and your policies, I will consider pursuing further action through legal avenues or filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. 

I trust that Comenity Bank will take this matter seriously and resolve it promptly. I look forward to your immediate attention to this issue.

all communications are to be in email form or in writing only. " no phone calls '' Sincerely, XXXX XXXX Account Holder, XXXX XXXX ending in XXXX

Company response to consumer: Closed with non-monetary relief