Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Dear CFPB I am writing to provide urgent supplemental evidence regarding my complaint against Comenity Capital Bank ( XXXX ). The attached documents from my medical provider ( Audiologist ) prove that the bank is engaging in unconscionable and deceptive billing practices. The evidence confirms the following facts : The Original Debt : The attached sales receipt confirms the total cost of my XXXX XXXX was {$3400.00}. The Promotion : My doctor has confirmed in writing ( attached ) that this was a 24-month interest-free plan. Total Overpayment : I have made faithful monthly payments since XX/XX/XXXX. To date, I have already paid approximately + {$4000.00} toward this debt. My Formal Complaint : Despite the fact that I have already paid the bank more than the original cost of the medical device, the bank is now demanding an additional {$2800.00} to reach the current credit balance. This would bring the total cost of a {$3400.00} medical device to nearly {$7000.00}. This is a predatory " interest trap. '' The bank accepted lower monthly payments ( dropping from {$140.00} to {$110.00} and {$72.00} or less ) without warning me that these amounts were insufficient to meet the 24-month deadline. They waited for the promotion to expire to back-date massive interest charges to the original purchase date. Furthermore, the bank opened a credit line for {$7500.00} for a purchase that only cost {$3400.00}. I believe they are using this inflated limit to justify excessive fees and interest. This has severely damaged my financial health and caused me significant distress. I received message from my XXXX XXXX I received yesterday : Hi XXXX, thank you for sending that over. I'm so sorry to hear this. Unfortunately, the financing company will not communicate anything with me, as I am not listed on the account. I am attaching a copy of the signed credit account sales receipt. There shouldn't be any interest accrued as long as the plan was paid off in the 24-month term interest-free plan. You financed {$3400.00} therefore your monthly payments should have been around {$140.00} per month to have it paid off in time. Again, I'm really sorry you're having to deal with this however I am unable to do anything on my end. I would suggest calling them to get a better understanding of why you have these new charges. Attachment : XXXX XXXX XXXX Expires in 10 days Furthermore, when I attempted to download my full payment history to support this dispute, I discovered that the bank has removed all billing statements from XXXX and XXXX from the online portal. I can no longer access the records that prove my initial payments or the original promotional terms. I believe the bank is intentionally restricting my access to these documents to hide their predatory interest calculations. I am requesting a full audit of this account, for the balance to be marked as Paid in Full, and for the bank to provide a complete, itemized transaction ledger from XX/XX/XXXX to the present. The bank used predatory payment tactics to ensure I would fail the XXXX promotion. My initial payments started at XXXX dollars, but the bank continually lowered my required payment to XXXX, XXXX, XXXX, and even XXXX dollars. This was done without my request and specifically to prevent me from paying off the {$3400.00} dollars balance before the interest-free period expired. This allowed them to back-date nearly XXXX dollars in interest despite the fact that I have already paid approximately + XXXX dollars toward this debt. Request for Action : I am requesting that the XXXX conduct a full audit of this account. Because I have already paid + {$4000.00} for a {$3400.00} item, I am asking for : The account to be marked as Paid in Full immediately. A refund of the overpaid amount above the original principal. A total waiver of all predatory interest and fees. I have acted in good faith for three years ( XXXX ) my plan supposed to be done in before XXXX. I ask that the XXXX hold Comenity Capital Bank accountable for these deceptive and abusive practices. Look forward to hearing from you soon. Thanks. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation