Consumer complaint received 2024-08-16 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:
Come its bank has been in breech of contract since 60 days after opening my account. They never gave me my second welcome gift after making {$600.00} in qualifying purchases, comenity bank has been adding charges to my closed account in XXXX, XXXX, XXXX, XXXX, XXXX. Comenity is reporting two accounts with different balances when I only had one account. So their record keeping is inaccurate and my debt should be forgiven. In XXXX they asked for a payment while under dispute and then collected the {$44.00} asked for, during XXXX my account is under dispute and they are asking for a $ XXXX payment. Their dashboard always reflects a payment due status when payments were just made. They collected payments on disputed accounts for a whole year that my insurance company was paying my minimum payment and they were collecting payments every month in XXXX from when my XXXX started thru currently still happening, they collected payments on disputed amounts. Comenity also did not process and report disputes put in writing delivered by me thru their secure messaging center as directed by an agent of comenity, the unprocessed disputed transactions were for XXXX XXXX XXXX and they are still on my account and have collected interest and my disputes never were filed with credit bureaus making their balance and interest amounts incorrect for years and it snowballed and now they have inaccurate records which is proven by their reporting two accounts with different balances since they closed my account without notice. XXXX XXXX committed a FCRA violation by telling me false information and asking for $ XXXX payment while under dispute, through agents confirmed that no payment is due in XXXX and my dashboard reflects an FCRA violation asking for payment. The terms were broken by the lender. I want accountability for comenitys illegal actions and multiple violations of the FCRA. Comenity made their first unlawful action after just 30 days after opening my account by not giving me my first welcome gift after qualifying purchases were made. This first gift was settled with monetary relief. The amount of fines that should be levied against Comenity are much more than the incorrect balance they say I owe. Comenity was in breech of contract at the XXXX, XXXX, XXXX, day mark all the way up to the current month. I also waived arbitration when I opened my account I told them that I do not want arbitration on my account and I bet there is no record of that either. They do not keep accurate records or records of their crimes. If arbitration is forced it will be with XXXX. I am fed up with trying to resolve 2 years of violations by comenity to no avail, they deny and give false statements to the cfpb and the case gets closed with no accountability for violations of the law. I do not owe any of the debt as they say I do, they do not keep accurate records, they ask and collect payments while under dispute which are violations of the FCRA and carry a {$1000.00} fine per incident. They also are operating with impunity as these are blatant violations of federal law. Account assure charges were added to my account during a claim period and after the account was closed which is not legal. Their dashboard displayed that I had a credit limit in months there reported differently all actions and surrounding events during XXXX, XXXX, XXXX, XXXX, reported different data than their dashboard told me. They reported two accounts with different balances and also kept adding charges to a closed account. Balance keeps increasing after closing when there is no interest on this account. Comenity will not let you talk to management and they force you to deal with minimal educated individuals who dont know the laws they are breaking and they break countless laws every day with no repercussions from the federal government. I would like copies of every time I called in to address an issue over the life of this account. I want any recordings of my voice in comenitys possession and permission to record me was not given nor was it asked for or states that they would like to record me. Many times over the last year and as recent as within 30 days they have recorded me without my permission and when transferring me no recording disclosures were given nor was the option to not be recorded given. I am a member of several protected classes and their violations against me carry their own charges. They committed financial crimes against me and I am over XXXX, I am also XXXX  XXXX. Age and XXXX discrimination by comenity bank, XXXX insurance fraudulent charges made to my account by comenity monthly charges i when XXXX began in XXXX thru XX/XX/XXXX. The whole amount of this debt is not owed by me as their are charges added after the closure date and their agents are aware of this and brought it to my attention but did nothing to stop the fraudulent charges which is negligence. I am not going to stop objecting to this debt and no more payments will be made until these issues are addressed by law. Your reporting two accounts so am I being charged for double interest and fees? Your system is out of date and makes mistakes and your agents have integrity issues and are retaliatory when you ask for a manager escalation or ask anything that requires them to work, think, more problem solve they say they dont know what to do and the supervisors say the same. I ask to speak to a manager and there is never one available to take my call in 3+ years, I ask for a manager to return my phone call and they deny that request. They deny all requests to speak to management and especially upper management. XXXX XXXX XXXX who work in a XXXX  call center are responsible for my accounts and that is scary, it negatively effects my finances as they always make mistakes, they get paid so little and have no motivation to do the job correctly, especially if it requires work or thinking. No repercussions for them besides losing a low wage job. XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and there is no accountability for these low wage workers messing up my account and credit with false reporting. I send in screenshot proof and they change the subject or dont address the issue and ignore it until time has gone by and they can use that as an excuse to not have the evidence needed to support the consumers claims. Thats why the secure messaging center deletes messages after so many days and you can not get them back and you cant email and get a response as they dont want evidence of their actions available for use to prove their crimes. The federal government raises rates but they wouldnt have to if they just regulated these companies better. Who oversees comenity compliance of federal laws? They need to be fired. Have a great day stealing my money and telling the government it was the one XXXX XXXX  comenity XXXX.

Company response to consumer: Closed with non-monetary relief