Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
First of all this IS NOT A DUPLICATE COMPLAINT! I want accountability for the employee of theirs who retaliated against me for requesting a supervisor escalation and put a cease and desist on my credit card account against my will when I specified DO NOT put that on my account under any circumstances. I told the agent if she did that I would be getting accountability. Employees of the lender can not make changes to my account without my knowledge or permission that is breech of contract and I do not owe anything due to the actions of your employee ment to cause harm. I am calling for this employees termination. These I are on going issues that have not been addressed, comenity has lied and provided false information to your department. The latest violations occurred on XX/XX/XXXX I think when they reported me as over 30 days late in XXXX when they received {$260.00} from my credit card insurance account assure on XXXX XXXX, XXXX or close to. Their employee put a cease and desist on my account without my permission as retaliation for asking for a supervisor escalation. These changes made to my account in order to harm is illegal, and is a breech of contract. I also was told I would not be charged any interest on my account until paid off as comenity closed my account in error and blamed it on me then they changed the terms they said a few months later and started charging interest to my account. which new terms have to be put in writing and I have to agree to them and that I did not agree to. The rest of these issues and violations of state and federal law have also not been addressed, these are ongoing not duplicates, I have asked for help to resolve these issues and they are not being addressed. Because I am explaining ongoing events that does not disqualify me or give you a right to close my complaint that have never been addressed, theyre new problems every month. Please help with these isssues and stop closing my complaints. 
Comenity has violated the FCRA and the XXXX as well as the XXXX. I have two weeks worth of robocalls in my cell phone call log with voicemails of robocalls from comenity bank, used to try to collect a debt in California which is illegal. I do not owe this debt according to their figures. XXXX record keeping is incorrect due to disputed transactions I submitted thru their secure messaging center from XX/XX/XXXX that were never filed as disputed with the credit bureaus and comenity continued to use these disputed transactions to figure minimum payments, interest amounts, balances, and still are using the disputed transactions that were disputed and never submitted. XXXX collected incorrect payment amounts for a full year from my credit card insurance company. Account assure. Which is insurance fraud. From XXXX XXXX thru XXXX XXXX XXXX. In XXXX, XXXX, XXXX, and XXXX of XXXX I disputed the full amount of the accounts being reported, as comenity bank had started reporting two accounts with differing balances when I have only ever had one account with them. I disputed the full amounts of both of the accounts being reported. XXXX kept reporting two accounts with separate balances for months, until finally removing the one with the less balance. In XXXX, XXXX, XXXX, and XXXX comenity asked for payments while under dispute, in amounts of {$44.00} in XXXX and XXXX, {$190.00} in XXXX and {$240.00} in XX/XX/XXXX each of these months my full balance of my account was under dispute and comenity Bank violated the FCRA and the XXXX by asking for payment on disputed items on accounts under dispute. From XXXX XXXX XXXX XXXX, comenity bank committed violations of the FCRA and the FCBA by collecting 12 months of incorrect payment amounts collected from account assure my credit card insurance company. Had comenity filed the disputed transactions that I had submitted in detail in writing thru their secure messaging center back in XXXX XXXX the payment amounts, interest amounts, and balances would have been lesser than what was collected every month for the last year. I have brought this to comenity banks attention nearly every month since the first occurrence, my complaints have only been met with denials until recently. Comenity bank recently closed my account and their agent blamed it on the Consumer Financial Protection Bureau, I asked for calls to be pulled and for the terms of my credit agreement and these requests were never fulfilled by comenity bank. I have also been trying to get the second welcome gift that I spent {$600.00} in qualifying purchases to earn and I was never given my second gift. Comenity Bank lied and said that no welcome gifts were active during that time period. If that was true, then why did comenity bank give me over {$2000.00} in monetary relief for not giving me my first welcome gift? XXXX set the precedent and I would like my balance forgiven, or accountability for the violations of federal and state law to be pursued and accountability for the violations if an agreement can not be reached. I disputed the reporting of over 30 days late in XXXX and they didnt fix the incorrect reporting. I have now disputed it a second time and want accountability so if the c.f.p.b. Is not going to help me get justice and accountability then please tell me who can help me get the accountability for these crimes committed against me please.

Company response to consumer: Closed with non-monetary relief