Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Subject : Urgent Investigation Request : Severe Financial Exploitation, Illegal Account Lockout, and {$1500.00} Theft/Overpayment by Bread Financial / Comenity Capital Bank Complaint Narrative : I am filing this updated formal complaint against Bread Financial ( operating as Comenity Capital Bank ) regarding my XXXX XXXX XXXX XXXX XXXX, Account Number ending in [ XXXX ]. I now have concrete evidence of severe financial exploitation, billing errors, and blatant regulatory violations that resulted in the bank stealing {$1500.00} from me and illegally ruining my credit profile. XXXX. XXXX XXXX Accounting & Fraudulent Collection Balance : Historical statements from this account completely disprove any claim that I owed Bread Financial money. On XX/XX/XXXX : I had an email statement confirmation proving that I had {$1600.00} available credit out of a {$1900.00} total limit. This mathematically proves that my actual balance on the card was only {$200.00}. On XX/XX/XXXX : I sent XXXX XXXX a payment of {$720.00}. On XX/XX/XXXX : I sent XXXX XXXX a second payment of {$990.00}. Between these two dates, I paid a total of {$1700.00} on a card that had a starting balance of only {$200.00} and was barely used afterward. XXXX XXXX mathematically owes me a credit balance/refund of exactly {$1500.00}. XXXX. Intentional Paperless Lockout and Concealment of Records : Instead of issuing a refund check for my {$1500.00} overpayment, XXXX XXXX slapped a " fraud lock '' on my account, immediately terminating my online login credentials. Because I was enrolled in paperless billing, this digital lockout effectively held my financial history hostage. They completely stopped sending me statements, failed to send an accounting of my {$990.00} payment, and completely cut off my access to my own financial records. XXXX. Extortion via Collections and Current Stonewalling : After pocketing my {$1700.00} in payments and locking me out, Bread Financial turned around, claimed I owed them money, and sent a fabricated debt to aggressive third-party collection agencies. To stop the severe credit damage and harassment, I was forced to pay my way out of a collection agency under duress just to clean up my credit report. Today, XX/XX/XXXX, I contacted Bread Financial to demand my statements and accounting. They explicitly see my history of massive payments in their system, yet they refuse to provide a balance or receipts, claiming they " can not access '' a closed account. They are actively using stall tacticsrepeatedly asking for my Social Security number and refusing to accept it when providedsolely to keep stonewalling me and hiding their accounting error. Federal Violations Committed : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Failure to properly credit overpayments, withholding periodic statements, failure to investigate billing errors, and illegal collection actions on a zero/credit balance. Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Knowingly furnishing entirely fabricated delinquent debt data to credit bureaus, and continuing to report it while refusing to provide verification or access to the consumer.

Company response to consumer: Closed with explanation