Consumer complaint received 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX, XXXX, XXXX XXXX Comenity Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dear XXXX XXXX, I do hope you can help resolve this so that I am not being charged usurious interest and harming my good credit In late XXXX of this year, I purchased two pairs of jeans online at XXXX. 
When received, I kept one pair and returned the other. 
Order # EXPR XXXX XXXX Returned XXXX {$47.00} Balance due {$42.00} which I paid online on the due date on XXXX Simultaneously to my making the online payment in the full amount due my XXXX debit card was cloned and used without my authorization in two stores in person, in Michigan. I live in New York. 

When I discovered the fraud problem I contacted XXXX Fraud and they immediately canceled my card and sent me another. 
Within a month the money was returned to me by XXXX. 
At the time of my reporting the fraud I was not made aware by XXXX fraud- that my account would be frozen, thus causing many of the online payments I make on a regular basis to bounce-back. XXXX of these was my EXPRESS credit card for the full amount due of XXXX. 
I called every company that I do business with online and with credit cards that I had been the victim of a scam and my debit card had been used to make purchases. 

Every company and business and organization that I make online payments to were called and without exception they were helpful. 

Except Comenity Bank where a demand was made for proof from my bank that they were responsible and a letter be sent. 


I went into my local XXXX and met with my XXXX relationship manager to get my account re-activated. 

And to get the letter. 

In the first instance my account was unfrozen and re-activated. And I was advised that if any company is still bouncing my payments that is something that has gone uncorrected in said companys system. 

Regarding the letter XXXX does not provide such letters but did get one from them stating that unauthorized charges were made on my debit card causing the bank to freeze my account, and the money had been paid into my account. 

Along side of this I agreed to pay the original amount due on the one pair of on sale jeans from EXPRESS that was XXXX which I did via US mail with a personal check and a letter with my cut up EXPRESS credit card. I did not agree to pay the usurious interest because I had attempted to pay in FULL as I always do and was being PENALIZED for a situation I did not cause and was instead a victim. 

At the present time I was advised that I now owe about XXXX for a cheap pair of jeans that I sent a check for the FULL AMOUNT of the original sale price. And the check was cashed by COMENITY and paid XXXX on XX/XX/year> Since I have been treated so poorly and no one has actually resolved this situation even though I paid for the jeans and am being continuously penalized, I have submitted a complaint to the Better Business Bureau to get this ridiculous rip-off resolved. 

The one good thing is that I have a story to tell on my XXXX  about the rudeness and usury of Comenity bank What I want is for Comenity Bank to note my account paid, all interest rolled back and to advise the credit agencies that the matter is resolved. 

Sincerely yours, copy to XXXX XXXX XXXX XXXX, XXXX XXXX, Complaints Management Enclosures

Company response to consumer: Closed with explanation