Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, My name is XXXX XXXX, XXXX. On XX/XX/XXXX, I was unable to complete XXXX  XXXX due to XXXX XXXX XXXX. After this time, I was under the impression that no charges would be incurred. However, to my consternation, I found out a couple of years later I had in fact been incurring charges. All my accounts are immediately put on autopay. Due to the busy nature of my life, I have a private accountant investigate all my accounts business, or personal. The accountant noticed that something was not right about the Comenity Bank Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending in XXXX. This is when they noticed that I was in fact being charged a monthly payment for the last XXXX and XXXX  years. I run XXXX businesses therefore my attention is focused on that matter. Once this was brought my attention, I quickly contacted Comenity and XXXX XXXX. XXXX XXXX worked on this to resolve this matter. However, Comenity Bank refuses to correct this issue by using a 60-day policy as grounds for not in fact correcting their wrong. If treatment was not received it supersedes any policies because service or goods must be rendered for payment to be incurred. What has been done to me would be considered Fraudulent billing. What is Fraudulent Billing? It occurs when someone submits false or misleading invoices for payment, often involving exaggerating costs, billing for services not performed, or misrepresenting the nature of services provided. This practice can occur across various industries, including healthcare, construction, and even consumer transactions. To be more specific Phantom Billing : This refers to billing for services or supplies that were never actually provided. Again, XXXX XXXX has provided documentation which I have once again enclosed. I have been charged monthly for over XXXX years, but I never received treatment and this is unacceptable. This is unlawful and can be looked at as fraud. Treatment or service must be rendered to be charged. In addition, Generally, you are not obligated to pay for medical services you did not receive, and in many cases, the No Surprises Act offers protections against surprise medical bills. The No Surprises Act, effective XX/XX/XXXX, aims to prevent patients from being billed for services they did not receive or for higher out-of-network costs than they would have paid for in-network care. XXXX XXXX can be considered medical treatment in some cases. Enclosed, you will find a letter from the dentist on this matter verifying I never received treatment.

1. Lack of Treatment or Services equals fraudulent billing and phantom billing.

2. This needs to be reversed and corrected or FTC and CFPB will go ahead with further investigation into the matter. 
XXXX. XXXX XXXX XXXX on the matter and they will verify this all to be true. 
Please assist me in bringing this injustice to a close and correct the wrong. 
XXXX XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with monetary relief