Consumer complaint received 2024-08-12 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: CT

Complaint narrative:
I was scammed from a business that claims to do business with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX offering Legal Advice & assistance in XXXX XXXX XXXX XXXX XXXX from start to finish. The company is called XXXX XXXX out of XXXXXXXX XXXX. While its takes XXXX months to reach the final stage with the XXXX registration XXXX 
I had no idea until I came up on a year working with XXXX XXXX that its a fraudulent company. I found out when I called the actual XXXX XXXX who then told me my XXXX applications were Red Flagged & were never going to move forward. Advice giving to me by the XXXX is to abandon the XXXX applications & open up XXXX news ones. 
XXXX XXXX went as far as submitting the XXXX applications to the XXXX XXXX make it look like they were doing something but in mean time taking & asking for more money which added up in the end to approx XXXX leaving me in a financial deficit etc. 
THE LAST PAYMENT REQUESTED was for {$18000.00} which had to be a wire transfer ( which I wasnt familiar with or ever done before ) I felt obligated to pay the {$18000.00}. They made it seem I would lose everything if I didnt pay. Ive already put a lot of money in this for a year now. 

I gave XXXXXXXX XXXX the routing number, account number & bank address for XXXX XXXX XXXXXXXX which XXXX XXXXXXXX provided. XXXXXXXX XXXX never verified the XXXX XXXXXXXX provided which was listed on the Transaction letter I received. The BANK ADDRESS WAS A XXXX & was address for a residential house. 

XXXXXXXX XXXX tried pulling the money back from XXXX XXXX XXXXXXXX. My money was scheduled to be sent back but someone at XXXX XXXX XXXXXXXX said to hold off & then the next transaction with a check withdrew my money. Whats confusing is that the account at XXXX XXXX XXXXXXXX was frozen from what I was able to gather after XXXXXXXX XXXX  issued a chargeback. So how was my money still taken. If only the schedule reverse schedule payment came back to me as it was scheduled would I not be out my {$18000.00}. 

I Believe XXXXXXXX XXXX should be held liable since they never verified the BANK ADDRSSS FOR XXXX XXXX XXXXXXXX. I was told by XXXX enforcement the address was fake after I called the XXXX. 

OTHER FRAUDULENT CHARGES I disputed with my COMENITY CAPITAL BANK XXXX XXXX XXXX Credit Card XXXX They are also giving me the run around with the crime Trademark XXXX did by having me make charges to my credit card for approximately {$15000.00} between XX/XX/XXXX - XX/XX/XXXX as I thought I was moving forward with my Registration for the XXXX. 

COMENITY CAPITAL BANK dispute against XXXX XXXX XXXX seem like they can do much for me since I authorized the charges at the time. I tried to stress the issue to COMENITY CAPITAL BANK that XXXX XXXX committed a crime having me use my credit card and I didnt learn that they were a fraudulent company until after I had already been working with them for a year. A total of approx XXXX was taken from me PLEASE I ask for help in receiving my money back in a refund from either XXXX XXXX XXXX OR XXXX XXXX  who I have done banking since XXXX with no issues & for COMENITY CAPITAL BANK to refund my money. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation