Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank/XXXX. Comenity Capital, has fraudulently placed a credit card account onto my credit files as a charge off, for a balance that I do not owe. 

Comenity Capital has deceptively charged off a credit card account in the amount of {$360.00}, a balance that I do not owe, and should not have owed. 
They have refused to remove this fraudulent balance off of my credit files, they have went so far as to pass on this false fraudulent account balance information to a collection agency. 

The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to show that I had paid off the account. 


****As my attached statement shows, I owed Comenity Capital, {$62.00} as my TOTAL balance due on the account in question, with a payment due of {$27.00}, as of the due date of XX/XX/XXXX. 

I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What Comenity Capital has done for months, out of spite, is to continue to add a {$39.00} loan sharking fee each month, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, a balance that they have falsely placed onto my credit files. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

When you look at my attached credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00} for XX/XX/XXXX, and I really should have owed them nothing. 

As stated previously, I have paid this account off several times, and they have continued to do the same thing. 
I feel that out of spite they are slandering my credit, because I have complained about them in the past, the fact that they have stolen from me with this same credit card, I have returned all sorts of merchandise back to XXXX, and neither XXXX  nor the bank has given me my money back for the items that I had returned in the past. 

XXXX  removed the online account that I had, had with them, the area that showed each item that I had purchased, and I could have shown my returns by item, and when I contacted Comenity, they did not care. 

They continued to have me to pay for merchandise that I had already returned, they pretended as though they couldnt do anything to assist me in finding out what happened to my returns, even the shipping labels that were sent back inside the return packages, meant nothing to any of them. 

That was hundreds of dollars that they took from me, I had returned full orders at a time before, because the items were not of good quality, or as pictured online by XXXX, yet the stuff disappeared, and Comenity had me to pay for all of it, and I paid because I didnt want my credit ruined. 

I paid them more than what I owed, and even down to the last payment of the {$62.00}, yet they come back still loan sharking me, and slandering my credit for what I dont owe. 

They have this account looking as though I have done business with them in XXXX of XXXX, each month they have been adding fees that I should not have owed. 

I have paid this account off in full more than once, and I am not going to pay Comenity Capital Bank another dime, especially for debt that I dont owe. 

I want Comenity Capital/XXXX, to cease and desist from contacting me ever again, about this fraudulent debt. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, any communication from Comenity/XXXX is to go to the CFPB, and the CFPB can contact me.

Company response to consumer: Closed with explanation