Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Heres a well-structured complaint letter for submission to the CFPB regarding your issue with Saks Fifth Avenue and Comenity Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Unauthorized Charge and Poor Customer Service by Saks Fifth Avenue and Comenity Bank Dear CFPB Representative, I am writing to formally submit a complaint against Saks Fifth Avenue Customer Service and Comenity Bank ( formerly XXXX XXXXXXXX, for the SaksFirst credit card ) regarding an unauthorized charge on my SaksFirst credit card account and the unsatisfactory handling of the matter by both parties. 

Details of the Complaint : Purchase Order Number : XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$920.00} Issuing Bank : Comenity Bank I did not authorize this purchase. As a traveling nurse, I typically reside in California and return home every three months. I do not regularly use my Saks Fifth Avenue credit card, especially for high-value purchases. Upon noticing this charge, I immediately contacted Saks Fifth Avenue Customer Service to dispute it. 

Chronology of Events : 1. The merchandise associated with the unauthorized purchase was returned five separate times.

2. Each time the item was returned to Saks Fifth Avenue, the vendor inexplicably sent it back to me.

3. On my last return attempt, I refused to accept the package when it was sent back again.

4. Saks Fifth Avenues customer service management confirmed that the package was received and is currently located at their distribution warehouse. However, they claim they have no way of contacting the distribution center to process the return properly.

5. Despite these returns and my refusal to accept the merchandise, Saks Fifth Avenue has not removed the {$920.00} charge from my account. 

Previous Actions Taken : I have filed formal complaints with the XXXX XXXX XXXX XXXX XXXX XXXX, but no resolution has been reached. 
Repeated communications with Saks Fifth Avenue Customer Service have been unsuccessful in rectifying the situation. 

Given the repeated returns, the acknowledgment by Saks Fifth Avenue of receiving the merchandise, and my clear indication that I did not authorize this purchase, I believe that Saks Fifth Avenue and Comenity Bank have failed to comply with fair billing practices. 

I am requesting the assistance of the CFPB in : 1. Ensuring that Comenity Bank removes the {$920.00} charge from my Saks Fifth Avenue credit card account.

2. Investigating Saks Fifth Avenues handling of returned merchandise and its impact on customer billing. 

This ongoing issue has caused unnecessary stress and inconvenience, and I trust that the CFPB will ensure that proper actions are taken. 

Thank you for your attention to this matter. I am available to provide any additional information required. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief