Debt collection -- Written notification about debt -- Complaint #7406799

Complaint Overview

Complaint ID: 7406799

Company: Bread Financial Holdings, INC.

Product: Debt collection

Sub-Product: Credit card debt

Issue: Written notification about debt

Sub-Issue: Didn't receive notice of right to dispute

State: Rhode Island

ZIP Code: 02920

Date Received: 2023-08-15T12:00:00-05:00

Date Sent to Company: 2023-08-15T12:00:00-05:00

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Older American

Consumer Narrative

As of XX/XX/2023, I had already notified Comenity Capital Bank of a mis-charge with the XXXX credit card account. I spoke with a representative of Comenity Capital named " XXXX ''. I told him that I notified XXXX that I didn't need the XXXX XXXX XXXX treatment because their company didn't honor the service when I purchased a bedroom bureau from them. According to the Service, XXXX was supposed to have a third company deliver my product to my home and place it safety inside where instructed. The delivery service contacted me and told me that they couldn't deliver the bureau to the 2nd floor bedroom in my house due to Covid restrictions and wanted to leave the bureau in my driveway. I told them that was impossible because I couldn't transport something that heavy up the stairs to the 2nd floor rear. No one in my house had/ever had Covid, and everyone in the house was XXXX. They refused and I told them to return the bureau. I contacted the Company for a refund and received a refund for the bureau but not the Service. I asked for a cancellation of the Service but the Company ( XXXX ) wouldn't remove it and kept charging me " late fees '' on a " XXXX '' service for non -payment. I contacted Comenity as stated above and " XXXX '' seemed to understand my problem and apologized repeatedly for the continuing late fees and non-cancellation of the Service. He stated that I would received further communication from the Bank as they researched the problem and that I would receive no more bills for late payment. ( This conversation should be in their database as recorded conversation ). I received a dispute letter from Comenity Capital XXXX XXXX XXXX XXXX XXXX referring to the previous contact with their representative and it stated to wait until they contacted me at the conclusion of their investigation. I have the original dispute letter which I am going to upload to my credit reporting companies. Since XXXX XXXX XXXX no further communication was received from Comenity Capital just bills from XXXX incorporating higher amounts in late fees for non-payment of the XXXX XXXX XXXX I never received. This situation with XXXX and their banking company, Comenity Capital is causing me severe damage in my credit score ( XXXX down to XXXX ) and prevented me from obtaining a XXXX XXXX XXXX XXXX XXXX XXXX due to the low score ( I will also upload the XXXX letter to the credit reporting companies in a dispute ). Please help. All I see is greed, greed, greed on their part destroying a formerly great customer.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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• Bread Financial Holdings, INC. Company Profile
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