Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Complaint Against Comenity Bank XXXX Credit Card Complaint Type : interest Issues Desired Resolution : Refund of {$210.00} in interest charges, {$50.00} fee for improperly applied financing plan, and confirmation that the matter is resolved. Refund to be issued via physical check mailed to my address. 

Complaint Details : On XX/XX/XXXX, I opened a XXXX Credit Card issued by Comenity Bank to take advantage of their 18-month interest-free financing offer. I was assured by a XXXX XXXX, XXXX, that my purchase of {$4400.00} would qualify for this promotion. This was the sole reason I opened the credit card, as my other cards offer significantly lower interest rates and attractive cash-back programs. 

Payment History : XX/XX/XXXX : Paid {$1000.00} ( Exceeding minimum required payment ) XX/XX/XXXX : Paid {$500.00} ( Early and exceeding minimum required payment ) XX/XX/XXXX : Paid {$500.00} ( Early and exceeding minimum required payment ) XX/XX/XXXX : Paid {$1500.00} ( Early and exceeding minimum required payment ) Despite timely payments exceeding the minimum required amounts, I was charged interest on the following dates : XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$78.00} XX/XX/XXXX : {$48.00} Total Interest Charged : {$210.00} Resolution Attempts : Upon discovering these erroneous interest charges, I contacted XXXX customer service and was advised to return the item and repurchase it under the financing plan. On XX/XX/XXXX, I visited the XXXX store, where the manager refunded the item, reprocessed it under the financing plan for a {$50.00} fee, and contacted Comenity Bank. I was assured that the interest charges would be refunded and my next statement would reflect this correction. 

Despite this, I was charged another interest fee on XX/XX/XXXX. When I contacted Comenity Bank again, I was provided conflicting information about the dispute process. I was told by one representative that a dispute had been filed online, another stated disputes could only be made by mail, and a supervisor contradicted them both. 

Financial Impact : Interest Charges : {$210.00} Enrollment Fee for Financing Plan : {$50.00} Lost Cash-Back Opportunity ( 1.5 % of {$4400.00} ) : {$67.00} Total Financial Loss : {$330.00} Desired Resolution : I am requesting a full refund of {$210.00} in interest charges, as well as the {$50.00} fee for the improperly applied financing plan. Additionally, I am requesting that this refund be issued via a physical check mailed to my address. I would also appreciate a written confirmation that this matter has been fully resolved. 

I opened this credit card under the belief that I was eligible for an interest-free financing plan. The mismanagement and contradictory information provided by Comenity Bank 's representatives have been frustrating, time-consuming, and financially damaging. I am seeking a prompt resolution to this issue.

Company response to consumer: Closed with monetary relief