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Complaint Details
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Initial Complaint
06/08/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I file a formal complaint against Bread Financial, and request $200 cash back plus 2% cash back that I spent. Enclosed please find the copy of the offer letter that Bread Financial mailed to me. Bread Financial offered me that I could earn $200 cash back if I apply for Bread Financial Cashback credit card and spend $1000 within 90 days. On Dec 14, 2024 I applied and got approval. My Bread Financial credit card # is 3701 xxxxxx 51016. I called Bread Financial (###-###-####) to confirm that I spent more than $1000 within 90 days, I was told that I qualified to get $200. Then I called Bread Financial for more than 5 times to asked when I could receive a check of $200 plus bonus. The answers from Bread Financial representatives is that I was qualified to get $200 bonus, one male representative of Bread Financial even told me at 2:45 of Mar 30, 2024 that I spent $1068. He said,“Of course, you are qualified for $200 bonus”. I was told by different representatives that I have to wait for $200 bonus“Next week”, or say “Next month”, or say “Next statement cycle”. At 1:30 pm of Apr 17, 2024, I asked to talk with a supervisor of Bread Financial. A lady answered me and she told me that she was a supervisor. She told me that she didn’t see any offer of $200 to me on my record, she only saw $18.51 cash back on my account. I cannot believe what I heard. I am lucky that I kept the original offer letter from Bread Financial. Then, I cannot login to “breadfinancial.com”. I request $200 back plus 2% cash back that I spent. Sincerely yours, ********* **** ********************* *** *** **** Jun 08, 2024Business response
06/10/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Customer response
06/10/2024
I accept the business's response to resolve this complaint.
Regards,
********* ****Initial Complaint
06/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently open acct for the purchase of hearing aids (5000.00). Upon receiving notification that my acct has began I Immediately paid 250.00 towards my acct. On June 03,2024 I received a email message that my acct (******************) was passed due in the amt of 422.00. When speaking with two customer agents i was inform because I made a payment before 05/03/2024 which was outside their billing cycle that i was late. There was no way to adjust their system to show payment had been made, if I did so before the third of May. They accepted my money of 250.00 which was above their minimum amt for my acct. The only way to rectify my acct was paid 422.00 (06/03/2024) in addition to late fees; moving forward never pay early only within their window for payment after the third of each month. They would not reverse the late fees nor accept my early payment as compliance of paying my bill. I was penalized for being a responsible customer and hints forth follow their guidelines for payment with no acceptions. The first customer service agent terminated the call requiring that I call again in hope of redressing and rectifying the issue. Their business practices are unacceptable, deceptive, unethical, and are designed to game the system toward the extraction of monies from their customers, with no exceptions for not following their payment rules.Business response
06/04/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Initial Complaint
05/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I filed a dispute on my Ulta credit Card. I had paid my card off, yet received a bill saying I had used the card for ****** music. I first contacted ****** who stated that indeed that wasn’t my account they suggested I contact the bank. So I contacted customer service reported the charges, had the ****** team member on the phone with them explaining to them that the cc was not used for me or the ****** account associated with me. I was then told by their fraud department that they would do an investigation and for me not to pay anything until I heard from them. The day they got back to me they stated that they couldn’t prove that the charges weren’t mine so I was going to have to pay them in which I did. I then closed my card and told them I wanted to make sure that I wouldn’t hear from then again. The lady assured me that all was well and that they would be sending me a letter stating my “0” balance. I got the letter stating the 0 balance and that the card had been closed. But later I received a late fee charge for $34.22. When I contacted their customer service team they stated they couldn’t help me bc the account had been closed. I have done nothing but take the advice of their agents and ultimately paid a debt that was not mine. I am refusing this debt as it is not mine and I feel it should be waived.Business response
05/31/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Initial Complaint
05/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This account it’s been service fraud the practice of adding late fees on top of late fee after I pay 0 the account it’s outrages. Payment made and money came out of account on the 7. Posting a day later. To provoc a late fee. Remove total amount and close accountBusiness response
05/30/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete, we will mail a response letter directly to you that contains our findings.Initial Complaint
05/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I applied for a Sephora credit card in 2021 and was approved for a $600 credit limit #**************** exp March 2025. I used the card a couple of times in 2021/2022. Fast forward to 2024, I tried to make a purchase around Mother's Day for gifts online and in person and was declined. I was told that Sephora closed My account without Me knowing. I was told by Sephora to reapply, so I did but was told I already have an account. Then Sephora said wait a week then reapply, so I did and now I'm being told that I have multiple applications and didn't get a replacement card. I want My Sephora card back with a $600 or higher limit. This card doesn't expire until March 2025 so I should've been able to use the card in 2024.Business response
05/23/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Initial Complaint
05/23/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
I received a letter regarding a credit card i haven't used in about ten years . THey were offering to send correspondents about my card if I sent them my power of attorney which i do not have . I was to make sure the document was certified and had a notery on it .Business response
05/23/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Customer response
05/24/2024
I accept the business's response to resolve this complaint.
Regards,
******** *******Initial Complaint
05/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I bought a puppy from petland 2 years ago. I live in California but was visiting my mom in Georgia. I saw a petland and went to look. The prices were to expensive so the sales rep said they would talk to the panther so he could give me information on credit options. I declined because they said it was accrued interest through Comenity Petland Bank. He then let me know that it was not accrued interest and that it would only be 29.99% interest after 2 years of no interest. Now two years later and after having the money to pay off the credit, the accrued interest has hit my account. Ethically and morally this was wrong of the employee to give wrong information about the credit card company to get me to buy this puppy. In the midst of my happiness he leveraged a lie to get me to agree to sign up for a credit card under the wrong terms. Now instead of owing $2,600 I now owe $5,700. I have contacted the store and they will not give the information to the manager who signed me up for the card. I hope the ethically right thing is done in this situation because morally it is wrong and unfair. Thank you.Business response
05/20/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Initial Complaint
05/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Formal Complaint Regarding Fraudulent Charges by Comenity Bank - Account Number: **************** To Whom It May Concern, I am writing to file a formal complaint against Comenity Bank regarding fraudulent activity on an account opened under my name. I am deeply distressed to report that I have been a victim of identity theft, wherein someone has maliciously utilized my personal information, including my Social Security Number, to open an account with Comenity Bank and accrue charges totaling $3669. The account in question bears the number ****************, and despite my repeated attempts to rectify this egregious situation, I have encountered nothing but obstruction and indifference from Comenity Bank's representatives. On March 1, 2024, I promptly contacted Comenity Capital Bank's Account Protection line to formally dispute the fraudulent charges and request the closure of the unauthorized account. However, despite providing all necessary documentation and evidence to support my claim of identity theft, I was appalled to receive a letter dated May 6, 2024, from Comenity Bank, stating that they have found no basis to support my claim of fraud and intend to continue forwarding statements reflecting the outstanding balance to me. This response is not only deeply insulting but also wholly unacceptable. It is clear that Comenity Bank has failed to uphold its duty to protect its customers from fraudulent activity and has instead chosen to dismiss my legitimate concerns without proper investigation or consideration. I am utterly outraged by this blatant disregard for consumer protection and demand immediate action to rectify this situation. I insist that Comenity Bank conduct a thorough investigation into the fraudulent activity associated with the account number provided and take the necessary steps to remove the fraudulent charges from my name. Furthermore, I request that Comenity Bank provide me with written confirmation of the closure of the fraudulent account and assurance that no further attempts will be made to collect payments for charges incurred through identity theft. Failure to address this matter in a prompt and satisfactory manner will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and pursue legal action against Comenity Bank for negligence and breach of trust. I expect a timely response to this complaint and trust that Comenity Bank will take immediate action to rectify the harm caused by their failure to safeguard my personal information and financial well-being.Business response
05/16/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Customer response
05/16/2024
The company has not provided a resolution to my fraud dispute. Their response is as followed: "We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings."
I will keep this complaint open until I hear a satisfactory explanation and complete resolution of my case.
Regards,
******** ****Initial Complaint
05/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I paid my bill in full $100. I was done with the card. Then the company charged me 20.00 for their welcome rewards, but they failed to notify me of this. This caused a late fee on my store card that I was no longer using. I contacted customer service back in 2022 requesting a refund. No one works work with me. I wouldn't pay for something I didn't approve. I went on medical leave in 2023, my card was paid by the insurance & a representative stated before it was paid by the insurance that if I paid $60.00 they would waive the fees. The insurance portion was applied, so nothing was paid. This company continues to charge me fees for their mistakes! Whenever I call to discuss the matter, everyone wants to talk to me like I'm a horrible person! I didn't do this! Please waive the fees on this closed account! This is the worst experience ever!Business response
05/13/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.Initial Complaint
04/30/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
To whom this may concern, I had an Overstock credit card, in which Overstock closed the entire Overstock card program and now Capital Comenity Bank handles their accounts. Overstock closed all accounts and balances needed to pay with this company. I set up a payment plan over the phone with them. I had the remaining balance of $59 on the account. Now they are claiming I have another $800 to pay. They are adding interest to peoples balances. This account is closed and they are continuing to add interest on a closed account.Business response
05/01/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
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Customer Complaints Summary
2,471 total complaints in the last 3 years.
670 complaints closed in the last 12 months.