Bread Financial

I opened a Michael's Store card because we were making a large purchase. I knew I was going to pay it all off in one payment, so instead of setting up an online account, I mailed a check from Buffalo, NY, 8 mail days ahead of the due date and put it in their computerized envelope with their statement form.

It was going to Texas, which I can drive to in 2-3 days; but they are telling me it took 2 weeks and charged me a late fee of $30 and a $2.95 'paper statement' fee. I call *** - no way was it late! Two customer service people I spoke to could not be more unhelpful or dull, and the supervisor even told me not to bother asking for a manager since the most they can do is offer $15 off the fee. And if I don't pay it by the November due date, the late fee increases to $41!

And the interest rate will increase! The government needs to step in and stop these types of actions. Charging me for a paper statement - how did they expect me to know where to pay it? I will reluctantly pay this cr*p fee, but I am also reporting it to my state AG and Ohio AG offices.

Why this bank is in Ohio but payments go to TX is a mystery, too. Watch your backs, consumers!

Sneaky practices to rake in even more $$$$ from your wallets. As soon as my account is zero, the card will happily be cut in half.

Approximately two months ago, my Comenity Capital Bank credit card was abruptly declined. I subsequently received a letter stating that my account was suspended due to suspicious activities and warning that if I did not contact the account recovery team at 888-282-****, the account would be deleted within 30 days.

I immediately called the number provided. When I asked why my account had been suspended without any prior notification or attempt to verify the activity with me, the representative refused to disclose any details. I was told only that I would have to wait for a letter in the mail containing instructions to restore the account. Three weeks passed without any correspondence.

When I called again, another representative admitted that the letter must not have been sent and claimed it would be mailed at that point. Nearly two weeks later, I finally received the instructions. I complied in full, mailing all documents requested. For weeks afterward, I heard nothing from Comenity.

When I called for an update (09/05/2025), I was told my account had been closed and that a letter was sent yesterday explaining the closure. When I requested the reason for the closure and the outcome of any investigation into the alleged suspicious activity, I was again refused any information and told to simply wait for the letter and call back. This conduct is deeply concerning for several reasons: Failure of due process: My account was suspended and closed without any meaningful opportunity to confirm or contest the alleged activity. Inconsistent and negligent communication: Letters were delayed, never sent, or admitted having been forgotten.

Lack of transparency: No explanation has been provided at any stage, despite repeated requests. Potential credit harm: I have no clarity on how this closure will be reported to the credit bureaus. If listed as closed by creditor, this will cause unjustified damage to my credit standing.

In my view, this behavior reflects a systemic failure in Comenity Capital Bank's account management and consumer protection practices. It constitutes unfair and unreasonable treatment of a customer and raises serious concerns under federal consumer protection standards.

Due to the multiple violations of federal laws & regulations we had to file a complaint with multiple government agencies. They all pointed us to the Consumer Financial Protection Bureau.

We detailed 14 violations of federal laws & regulations, under the FCBA & Regulation Z, that Comenity Capital Bank made during multiple disputes as well as detailing how they have not proven the fraudulent charges are valid.
Comenity Capital Bank lied to the United States government in their response. Comenity Capital Bank employee Ashley Sims basically stated they investigated themselves and found that they didn't violate federal laws & regulations 14 times, yet she didn't address any of the violations we detailed with dates & names of employees that admitted they violated the FCBA & Regulation Z multiple times.
Ashley Sims stated that the Smile Spa of North Jersey, the dentist who submitted $13,200 in fraudulent charges, "advised" Comenity Capital Bank that they had in fact done work exceeding the amount they received. Ashley Sims offered no proof as required by federal law under the FCBA & Regulation Z but because they were "advised" the charges were not fraudulent that was proof enough. Under the Claims & Defenses portion of the FCBA & Regulation Z they must prove that the consumer received services/goods in the exact amount they are being charged.

They accepted a forged credit card application as a loan agreement.
Ashley Sims stated that they were providing Monetary Relief by refunding the illegal late fees and finance charges that they fraudulently put on our account during multiple dispute investigations that they broke federal laws & regulations by adding to our account.
Ashley Sims stated that in the "interest of customer service" they submitted a request for the credit reporting agencies to remove the delinquency from the consumers account that was illegally added.

Comenity Capital Bank violated federal laws & regulations by reporting the consumer as "past due" during a dispute investigation, so this was not done in the interest of customer service at all. It was done to reverse illegal activity and Comenity Capital Bank needs to be held accountable for their actions.
We stress that no one should even think about applying for a credit card with this company.

Comenity Capital Bank claimed that I had missed two payments between April thru June 2025.. upon review of my bank statements, I can honestly say that it was correct.

When I spoke to Academy Customer service this was once more confirmed. I told the Rep that I have never received statements from them and have never been delinquent on any account. To lose 99 points to my credit score is outrageous. I sent a letter to Comenity requesting a Goodwill deletion, have not heard from them as of yet.

I guess buying two new vehicle through them means nothing. I actually paid these vehicles a year early by making my note one week before due date.