Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
first thing i would like to say is i filed a complaint with XXXX XXXX she did nothing to help me she closed the account out she ignored things that were sent stating problem of the dispute so i do not want her to help me again, she is not for the consumer. in XXXX XXXX i went on line and ordered 6 pieces of jewelry on i'm not sure when i received the jewelry but on XXXX XXXX i took back 5 pieces of the jewelry because of poor quality on that same day they did not give me credit for the jewlery they wrote a written receipt because they said that the printer was broke down they did not give me the right credit amount and how i found what the credit was i received a letter from comenity bank stating the returns was {$2300.00} on XXXX XXXX i made the mistake of calling customer care team and they said that balance was {$2700.00} i paid that, they should a least put the credit in the computer but this did not happen they gave me credit 4 days later when i found out what the credit was i called and asked for a refund of {$2700.00} i received the refund by mail on XXXX XXXX in XXXX i received a statement saying that i owed {$350.00} that was the correct balance and i paid that balance off in XX/XX/year> and have not made any more payments to comenity bank because i do not owe them {$2900.00} the balance is accuring late fees and interest charges i have tried to resolve this issue since XXXX and had no luck they are inpossible to work with and they have ignored all of the letters that i sent to them trying to tell the problems that they say that has occured these allegations are false. what they have done is they have said that the refund that i received was put back on my account and they also say that the payment that i made on XXXX XXXX was returned to my personal bank, and that they were insuffcient funds in the account the time that the payment was made so what is happening is that they have put {$2700.00} back on the account 2 times and then they gave me a credit for the returns of {$2300.00} so therefore they are trying to get out of me the amount of {$5600.00} the purchases were only {$2700.00} and now they are trying to recover {$2900.00} this is not going to happen i do not owe this money. on XXXX XXXX there was letter typed and asking for this information from my bank which is XXXX XXXX XXXX they want a copy of a 30 day statement, a letter stating that the payment was not returned, and that they were sufficent funds in the account at the time the payment was made, i have a copy of all letters that i sent and copies of what that they sent to me, i sent the information that they requested on XXXX and i called to make sure they received that information and they told me yes, you can not get any help with those customer representives they went as far as blocking my home phone number from calling any comenity bank departments you can't talk to no one in the dispute dept. or the billing office they are aware that i refuse to make any more payments thats why they sent late payments to XXXX  and my score has dropped alot. i have filed so many complaints against comenity bank through different goverment agencies and got no help, i did file a dispute with XXXX  on XX/XX/year> so i hope yall will help me this time.

Company response to consumer: Closed with non-monetary relief