Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Reference number. 
XXXX XX/XX/2024. 
I spoke with representative. Lane Bryant, Comenity Bank Bank She informed me that they had closed. This complaint on XX/XX/2024, and that they had sent me a letter. I stated to her that I had not received a letter from no anyone XXXX Lane Bryant. Explaining why they closed this. Dispute. I am being told to reopen and re-submit a new dispute again. I started this dispute back here. XX/XX/2024. I am resubmitting the bank statement from XXXX and me, the account where this payment was made from her debit card. ending in # XXXX. Payments were supposed to be made to this account. XXXX XXXX XXXX XXXX. I have been charged late fees since XXXX. Till XXXX. I will pay the remaining amount of the fees that were charged to me, but I expect a full refund. Once this goes through its dispute, I will also have the bank. Open a dispute. To show that the payment was made to Comenity Bank I am also attaching. The. Bank statement of my wife, XXXX XXXX XXXX. Bank statement showing that the payment was made to. Comenity Bank. on XX/XX/2024, of {$48.00} cent. I have also recorded. Each conversation that I've had with these representatives because they have been misleading me. And telling me false information. 

From : Comenity Bank Sent : Saturday, XX/XX/2024, XXXX XXXXXXXX XXXX XXXX XXXX To : You Subject : Re : Transaction Information Message ID : XXXX I am with Comenity Bank, which handles your credit card account. I'm here to help with your account needs. Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. See the back of your statement for more information. We appreciate your patience. If you have any questions, please click the reply button. Sincerely, XXXX XXXX XXXX XXXX Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- - Who is the bank statement from my wife 's account that shows that a payment was made on XXXX? Please contact me at XXXX. This is my wife 's checking account, and this money was debited {$48.00}. Now this is what we did with the collections, and this was paid, so if you need to contact me, This payment was never applied to my account ; it was supposed to be due in XXXX. Here is my wife 's account Last XXXX digits of bank account XXXX XXXX XXXX XXXX [ Attachment XXXX Type : application/pdf Name : XXXX XXXX XXXX XXXX XXXX ] Back to Inbox Reply From : You Sent : Friday, XX/XX/2024, XXXXXXXX XXXX XXXX XXXX  ) To : Comenity Bank Subject : Transaction Information XXXX ID XXXX XXXX Attachments : XXXX XXXX XXXX XXXX XXXX Who is the bank statement from my wife 's account that shows that a payment was made on XXXX? Please contact me at XXXX. This is my wife 's checking account, and this money was debited {$48.00}. Now this is what we did with the collections, and this was paid, so if you need to contact me, This payment was never applied to my account ; it was supposed to be due in XXXX. Here is my wife 's account Last XXXX digits of bank account XXXX XXXX XXXX XXXX Message Details Select Comenity Bank Re : Late Fees or Finance Charges XX/XX/2024 Comenity Bank XXXX : Transaction Refunds XX/XX/2024 Comenity Bank XXXX : Transaction Information XX/XX/2024 Comenity Bank XXXX : Transaction Information XX/XX/2024 Comenity Bank XXXX XXXX XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation