Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased several items XXXX XXXX XXXX XXXX XXXX  ) from XXXX XXXX XXXX ; all of the pant suits were returned and new items ordered because of being too large. Around XX/XX/XXXX I spoke with a XXXX XXXX  representative, XXXX who assisted me with ordering a chocolate suit to replace a pine one which was not scheduled to arrive until XX/XX/XXXX. The ( XXXX and XXXX ) were refunded by gift card with a confirmation email dated XX/XX/XXXX identifying gift card number XXXX, pin XXXX in the amount of {$70.00}. 

On XX/XX/XXXX I ordered XXXX other pant suits using my gift card and a {$10.00} reward for a {$130.00} purchase which left a balance of {$50.00} which would be applied to my XXXX XXXX card upon items being shipped. The items were received late XXXX. 

Upon receipt of my XX/XX/XXXX statement which said I owed {$130.00} XXXX wrote a letter dated XX/XX/XXXX to Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX after obtaining instructions to send correspondence to them from the XXXX XXXX  Customer Service representatives ) advising I was challenging the fees because my backordered items were partially paid for by the gift card previously mentioned above and a {$10.00} reward which only left a balance of {$50.00}. I paid {$51.00} on XX/XX/XXXX to close out my account balance, however, I continued to receive invoices for balance relating to the {$130.00} original billing. I contact XXXX XXXX representatives trying to obtain assistance and however, no one was able to assist. 

Communication to/from XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX supervisor available ( in meetings ) will call back within an hour. No call back. XXXX said a refund to my card as issued XX/XX/XXXX. No credit showing on my statement for XXXX ( there was a credit in my XXXX payment for previous orders of pant suits ), nothing for XXXX or purchases of XXXX returned items. 
XXXX XXXX XXXX no supervisor or manager available on Sunday. 
XXXX I waited to speak with a supervisor regarding billing issue. No feedback. 

XX/XX/XXXX XXXX no specialist support in office. Call between XXXX XXXX XX/XX/XXXX XXXX sending in dispute request on missing gift card payment. I will be receiving feedback by mail. 
XXXX XXXX I received a late fee of {$30.00} for non payment of {$81.00} shown in XXXX billing. Informed payment dispute team not open. Call back tomorrow XX/XX/XXXX I paid {$37.00} amount showing for XXXX and a {$30.00} late fee was removed. However, I was told to call back between XXXX XXXX to speak \to someone on dispute team regarding outstanding balance. 

XX/XX/XXXX- I sent letter to Comenity Bank challenging charges on XXXX statement of {$130.00} when part of my order XXXX was paid by gift card and reward with confirmation emails. Comenity Bank said they were researching. 

XX/XX/XXXX spoke with XXXX who was sending dispute request for feedback to me in which I received two letters from Comenity Bank. Dated XX/XX/XXXX saying they were unable to fulfill my request with no feedback regarding my issue. 

XX/XX/XXXX to Comenity BankXXXXXXXX XXXX to their XXXX XXXX address with confirmation emails in response to their XX/XX/XXXX letter that they were researching XX/XX/XXXX - to Comenity BankXXXX XXXX to their XXXX XXXX address in response to their XX/XX/XXXX letter informing me they research and charges of {$81.00} were for {$65.00} each for XXXX pant suits and {$2.00} finance charge. They did not address issue with payment by gift card and reward. 

XX/XX/XXXX - last letter received from Comenity Bank saying they were investigating issue and would respond within 60 days. No additional information received. 

XX/XX/XXXX -spoke with XXXX XXXX XXXX issue needed to go to payment dispute team call back tomorrow XX/XX/XXXX still showing bal of {$110.00} I Paid {$37.00} he deducted payment and removed {$30.00} late fee said to call XXXX XXXX XXXX I still have not had any feedback regarding my missing gift card and reward payments towards my XX/XX/XXXX order. 

I would like to receive duplicate payments I had to make for the {$81.00} in addition to another {$2.00} I had to pay which was a duplicate payment for my order of two pant suits. I am requesting payment back directly to me.

Company response to consumer: Closed with monetary relief