Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My account was paid in full by Account Assure ( payment protection ). The payment resulted in a credit balance of {$0.00}, and I made no new purchases. 

After that, Bread/Comenity : Charged Account Assure premiums on a credit balance Charged interest on a credit balance Charged late fees on fees that should not have existed Reduced my credit limit from {$2300.00} to {$200.00} Suppressed mailed statements unless I paid a {$2.00} monthly fee I only opted out of paper statements to avoid the {$2.00} fee I did NOT consent to electronic LEGAL notices. 

XXXX XXXX XXXX and Timeline XX/XX/year> I mailed an XXXX billing dispute letter via certified mail. 
( Exhibit XXXX : Comenity dispute letter XXXX ) XX/XX/year> XXXX shows the letter was delivered. 
( Exhibit XXXX : XXXX delivery confirmation consumer holds hard copy ) Instead of mailing a written acknowledgment within 30 days as required by FCBA ( 15 U.S.C. 1666 ), Comenity : Uploaded XXXX unrelated letters to my online portal dated XX/XX/year>, before my dispute was even received : Exhibit XXXX : OSP letter in online box dated XXXX Exhibit XXXX : XXXX letter XXXX in online box dated XXXX These letters : Closed Account Assure ( I never requested that ) Misclassified my billing dispute as a claim Stated they XXXX take up to 90 days instead of XXXX No FCBA dispute acknowledgment was ever mailed to me, and posting documents online does not satisfy XXXX or XXXX XXXX requirements. 

Comenity continued trying to collect the disputed amount Even though my dispute was open, Comenity : Treated the account as past due Required minimum payments Continued fees and interest This violates FCBA 1666 ( a ) ( 3 ) : The creditor may not treat the amount in dispute as delinquent.

I paid the disputed balance under protest to stop damage to my credit 10/27/2025 I paid {$120.00} only to stop negative reporting ( Exhibit 5 : Angry message that I sent to OSP 10.27.2025.docx ) I again demanded closure of the credit account.

10/29/2025 Comenitys reply acknowledged the payment and closed the account ( Exhibit 6 : OSP BS message 10.29.2025.docx ) But they : Refused to reverse the invalid fees and interest Credited back only {$0.00} Did NOT refund the full amount I paid under protest Never responded to the FCBA dispute Laws Violated Law / Reg Violation Fair Credit Billing Act ( 15 U.S.C. 1666 ) No written dispute acknowledgment; continued to treat balance as delinquent Regulation Z ( 12 C.F.R. 1026.7 ) Fees and interest were imposed without required periodic statements Truth in Lending Act ( 15 U.S.C. 1666d ) Interest improperly charged on a credit balance E-SIGN Act I did not consent to electronic delivery of legal notices ; posting PDFs online was not valid Requested Resolution I am requesting : Refund of the full {$120.00} paid on XX/XX/year> ( Balance was created entirely by improper interest, fees, and premiums. ) Refund the remaining {$0.00} credit balance Remove ALL negative/delinquency reporting related to the disputed period Provide the written FCBA dispute results as required by law Confirm that the credit account ( not Account Assure ) is permanently closed Files uploaded I have attached the combined PDF packet containing : Comenity dispute letter XXXX OSP letter in online box dated XXXX OSP letter XXXX in online box dated XXXX Angry message that I sent to OSP XXXX OSP BS message XXXX I certify this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with monetary relief