Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6827466
Complaint Overview
Complaint ID: 6827466
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: Virginia
ZIP Code: 22306
Date Received: 2023-04-11T12:00:00-05:00
Date Sent to Company: 2023-04-11T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The XXXX XXXX XXXX credit card issued by Comenity Bank is using fraudulent practices. I have been on the phone with them several times trying to resolve the overcharging problem but they refuse to fix it. On XX/XX/XXXX, I bought a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX. It cost {$490.00}. It was charged to my XXXX XXXX XXXX XXXX credit card managed by Comenity Back. I have direct payment from my checking account so there should have been no problem with the payment going through. For some reason, they are saying it did not go through and charged me an additional {$30.00} plus interest. They show on their website the money was returned, however, it was not. On my bank 's end which is XXXX it shows the charge went through. Comenity Bank then decided to charge me {$530.00} which not wanting my credit to go bad I paid on XX/XX/XXXX. Then they charged my account again on XX/XX/XXXX through automatic payment for {$500.00}. For a {$490.00} item, I have now paid {$490.00}. {$530.00} and {$500.00}. Over {$1000.00} over what was owed!! They finally reimbursed me with a check for {$500.00} at the end of XXXX but not the {$530.00}. Then, they recharged me for the {$500.00} saying they paid me twice which they did not!!! This back and it's fraudulent activity needs to be stopped!!! I do not want my credit going back over a fraudulent back. I have a credit rating of over XXXX and I pay my bills but I will NOT be scammed. Please help me get my money back!!
Frequently Asked Questions
What is Complaint #6827466 about?
Complaint #6827466 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 2023-04-11T12:00:00-05:00.
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.