XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!,,Bread Financial Holdings

What the CFPB Record Shows About XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!,,Bread Financial Holdings

XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!,,Bread Financial Holdings has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to The , and the most recent logged activity is The XXXX , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!,,Bread Financial Holdings reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "but no one can help me. I was told to file a dispute online on their website. I did so with all documentation showing the attempted payments uploaded. Letters were sent back to me indicating no back-up documents were sent. They documents were mailed on XXXX XXXX and still no response. Each supervisor that I escalated to told me that they could not get in touch with anyone in the dispute department", and the single most common underlying issue is "a letter saying no documents were provided so the interest charges stand. I have spent hours on the phone - and still - all reps tell me sending to Comenity Bank was correct. They never heard of sending to Arhaus. Even their statements say Comenity bank as the payee. Yet".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating XX/XX/XXXX and XX/XX/XXXX with no return call. Comenity Bank 's customer service is shameful!! And during a pandemic no less. HOURS of time have been spent. I have not paid the interest charge nor do I intend to. I am not trying to get away with anything. Payment attempts were made but not successful due to Comenity 's error and lack of knowledge. The balance was paid in full within 3 weeks. I am an honorable person with a good credit history. Please help to resolve this. Thank you!,,Bread Financial Holdings: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.