Credit card -- Fees or interest -- Complaint #19693542
Complaint Overview
Complaint ID: 19693542
Company: Bread Financial Holdings, INC.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: California
ZIP Code: 94523
Date Received: 2026-02-22T12:00:00-05:00
Date Sent to Company: 2026-02-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against Comenity Capital Bank regarding inaccurate billing, improper account adjustments, and failure to properly investigate disputed charges. On my XX/XX/2025 statement, my account reflected a credit balance of - {$3500.00} and clearly stated Do Not Pay. This credit was issued following a refund related to airline tickets purchased through ASAP Tickets. However, in XX/XX/2025, Comenity Capital Bank reversed course and posted new charges totaling {$7700.00}, which appear to reintroduce the same previously refunded transactions. This resulted in a new balance of {$4500.00}, which I dispute entirely. I did not authorize any new charges in XXXX. The charges appear to be a re-posting or duplication of previously refunded transactions, effectively allowing the merchant to retain funds while also re-billing me. I contacted Comenity Capital Bank, and a supervisor admitted that they erroneously issued a refund of {$3500.00}, and now demand that I repay it. This is unacceptable. I relied on the accuracy of my billing statement, which clearly showed a valid credit balance and instructed that no payment was due. Additionally, Comenity failed to properly account for associated finance charges and is attempting to collect a non-refundable amount of {$1000.00}, despite the underlying dispute. I filed a dispute with XXXX. While XXXX removed late payments, Comenity verified the account as accurate without providing any documentation to support the validity of these charges. This constitutes : Failure to properly investigate disputed transactions Inaccurate credit reporting Rebilling of previously refunded charges Unjust enrichment and billing error under the Fair Credit Billing Act
Frequently Asked Questions
What is Complaint #19693542 about?
Complaint #19693542 was filed against Bread Financial Holdings, INC. regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2026-02-22T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bread Financial Holdings, INC.?
Yes, visit the Bread Financial Holdings, INC. company profile at readthecomplaint.com/company/bread-financial-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.