Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity bank has been providing false statements to the cfpb. I cleaned that. I did not get my XXXX welcome gifts and Comenity bank stated there were no welcome gifts at the time I opened my card. Which is false I was due XXXX welcome gifts and when I didnt get the first I opened a cfpb complaint and your company gave me $ XXXX in monetary relief. You wouldnt have done that if there were no welcome gifts. Lie # XXXX. I requested the last XXXX years of secure messaging center messages and this company thinks if they drag their feet long enough the disputed transactions they never filed with the credit bureaus XXXX not be available. Didnt provide the messages within XXXX  days as required by law. For over a year comenity bank has used XXXX disputed transactions of purchases to figure minimum payments, interest accrued incorrectly, balances incorrectly, and your company collected a years worth of these false illegally bloated payments committing insurance fraud by collecting false increased amounts from my insurance company, and its still on going. An agent put a cease and desist on my account as retaliation for a XXXX escalation and I requested an investigation that was not conducted at all, let alone findings submitted within XXXX  days as is required by law. Your agent when they closed my account told me that no interest would be assigned to this account until the balance was paid off, then after XXXX months of no interest you started adding it again and your agent cited a change in policy being the reason. By law you have to make me aware of policy changes in writing which you did not and I have to agree to them which ai did not. I foresaw your company trying this and switched my billing paperwork back to paper copies and you never provided any change in terms in writing before they took place another violation. Your company has committed so many violations of state and federal law that you owe me money now. I do not owe the amounts you claim I owe, your company has broken the terms of our credit agreement and is in breech of contract, state and federal laws, the amounts you claim I owe are false, and there will be no more payments made until your company addresses all the issues I brought to your attention that you negligently ignore but always apologize for. For a whole year you took payments you knew were false and were bloated collecting more than your allowed to by law and you used disputed transactions to figure and collect minimum payments XXXX FCRA violations each month now your looking at insurance fraud and over XXXX FCRA violations. This debt needs to be wiped off of my record. Forgive the debt, provide monetary relief, I am not paying these amounts I know to be false, I will not be held responsible for a debt I know to be false when myself and other consumers are being defrauded and taken advantage of.

Company response to consumer: Closed with explanation