Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX, I'm filing a complaint with your office. I need assistance with a bad faith policy issue by Comenity bank. This bank handles Big Lots Credit Card. I would like my XXXX returned to me. 

I set up my first payment ( XXXX ) up with my bill pay, through my bank XXXX XXXX. I accidentally filled out the name as well as the address wrong. 

I wrote the check to Big Lots not Comenity bank. As well as I put the wrong po box . I checked to see if payment was processed a few weeks later. It was not. I felt like something was wrong. I called the XXXX number. The representative said they would transfer me to a XXXX. She did not. Instead she transferred me to a person named XXXX who said he was a representing of the bank. I let him know what I think went wrong with my payment. He said the bank does not reverse any late charges. He offered me XXXX the fee back. I was perplexed as to why only XXXX, but moved on. 

XXXX told me the bank would find it and cash it. All I could think about was someone finding, and washing the check. I expressed this concern with the representative XXXX. He showed no concern, but sticking firm that its ok to just leave the check out there floating around. I let him know that I will write a new one, with all the correct information. He said dont worry about it, this wont affect your terms. I called my bank and let them know what is transpiring. The senior account representative from XXXX XXXX stated that this was terrible advise by XXXX. To just wait and see what happens, if the check is stole or maybe makes it to them some weird way. This could turn criminal if someone else gets hold of the check. 

The representative from my bank told me there was NO return check only the stop payment. So no one else with bad intentions got a hold of it. I put a stop payment on it per advise of my bank. It was making me feel so uneasy until it went through. I called back and talked to a XXXX. I explained the entire situation to her. She first, told me comenity bank does not have managers, just account representatives. She would have someone look into it.

I will provide : 1.Transaction Statement from Big lots claiming there is a return check fee. Even though there is No proof and my bank claims there is no returned check. 2.The address on my statement wh
ere to mail the check. Comenity-Biglots XXXX XXXX XXXX XXXX I actually mailed it Big Lots not Comenity Bank with XXXX XXXX XXXX not XXXX XXXX XXXX ( forgot the XXXX ) XXXX. The actual bill pay. It shows the wrong name. It also shows the stop payment. The Bank does not have the return Since it Never was returned like big lots claims.

5. The conversation with Comenity bank. Shows just a lack of companionability, and how Im just beating my head ageist the wall to deal with them.

The bank refused to do ANYTHING. Instead added a XXXX service fee on my account. They even went a step farther and suspended my account for 3 months. 

XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation