Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6752747
Complaint Overview
Complaint ID: 6752747
Company: Bread Financial Holdings, INC.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Idaho
ZIP Code: 83709
Date Received: 2023-03-26T12:00:00-05:00
Date Sent to Company: 2023-03-26T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a purchase dispute with Comenity Bank XXXX XXXX XXXX store card on XX/XX/XXXX for a purchase via phone. I followed up the phone dispute with a secure message on the Comenity webpage with supporting documents per the phone reps request. On XX/XX/XXXX I recieved a responce confirming reciept of supporting documents by comenity message support stating they were looking into my dispute and I would not be held responsable for the disputed charge. As of XX/XX/XXXX no forward movement has occured on my dispute, no additional communication has been issued by Comenity in reguards to the dispute, I am still showing a balance and payment due on the disputed charge, and Comenity is not responding to my requests for more information. The dispute goes as follows : " This item was delivered with major water damage. XXXX documented the damage and its also mentioned in the XXXX that XXXX XXXX XXXX issued as well as in photos in the email thread ( all attached here ) XXXX XXXX XXXX issued a XXXX requesting all original packaging be returned. I explained due to the water damage to the item and packaging I was not going to be able to ship the item back in the original packaging and needed packaging provided along with a XXXX pick up. This is a large item that was delivered via freight - XXXX XXXX XXXX originally requested I go to XXXX to get a box but after visiting XXXX it was descovered they do not carry boxes of the appropriate size XXXX XXXX XXXX then told me I would need to buy a second XXXX monitor to procure packaging to send the original broken one back. XXXX XXXX XXXX is not acting at all in good faith and making it impossible to make this transaction right. '' I sent the entire email thread with XXXX XXXX XXXX support where they said I would be required to buy a second XXXX monitor from them to return this item. I also sent the XXXX that has the carrier ( XXXX ) statement of damage to this item in transit, and finally I included photos of the damage as it was taken off the freight truck. Yet even with all this data Comentry is still holding me accountable for a disputed charge and not investigating this case at all.
Frequently Asked Questions
What is Complaint #6752747 about?
Complaint #6752747 was filed against Bread Financial Holdings, INC. regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-03-26T12:00:00-05:00.
How did Bread Financial Holdings, INC. respond to this complaint?
The company responded with: "Closed with 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 or prepaid 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.