Consumer complaint received 2022-11-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XX/XX/2022, I went to forever 21 at XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX, which is in XXXX XXXX XXXX. Forever 21 issued me a forever 21 credit card without my knowledge, which I didn't want. As I went for billing, they kept on insisting to get a membership account which I denied specifically. Then they told me that I will get 40 % discount if I get a membership and didn't mention that it was a credit card. They asked me for my Name, Phone Number and Email id to get just a membership which will avail me 40 % discount on my current purchase and 20 % discount on thereafter purchases. They did not accept my card at that moment and asked me to pay the outstanding bill via account which they created with my above mentioned information. They specifically told me that it is not possible to complete the payment today and I have 30 days to do the payment via account. They told me that I will receive an email and a bill for this purchase on which I will have to do the payment. Once I reached home I tried to do the payment through the forever 21 website but there was no place where I could find the same. So, I called forever 21 customer care and they told me that I was given forever 21 visa credit card membership and provided me with the information of the credit card portal for payment. I was told that I will be able to do the payment once I receive the bill. I received the bill in the XXXX week of XXXX via mail and I did not receive any email of the bill. After receiving the bill, I tried to login and pay the bill but I still hadn't received the login credentials so I called the forever 21 customer care, they diverted me to finance department and then I told them that I have a bill but I don't have any login credentials, the finance department told me that the bill has a number in the bottom which is my account number. Then they asked me to login with that account number and last four digit of my SSN but it didn't work and till date I am not able to login. As a matter of fact, I still haven't received a credit card from them. I have called them many times for not receiving any credit card but they said that I will receive it soon which I never did. I only received a bill. I tried many times to complete the payment but to login I didn't receive any login credentials. I tried too many times but it was not logging in. Then I again called customer care and had a chat with them that due to this technical error, that I am not able to login, I am unable to do the payment. There was a option to pay online in the customer care of the credit card department call. They asked for all of my debit card detail as they did not accept credit cards for the payment, which I provided, and finally the payment was complete but did not receive any email of the same. I called them many times to shut the credit card but to no avail. Then after two months I started receiving calls from a COMENITY BANK stating that I have late fees on the credit card for two months and they started mentally harassing me for the same. They would not listen to me and start yelling on the call saying that I owe them money. They give me warnings on phone stating they have my SSN and they will take action against me and there will be consequences. I called the forever 21 customer care for the same but they said that it is not there area of concern and I will have to deal with this bank myself. From last month they have been calling me continuously from different numbers and harassing me.

Company response to consumer: Closed with monetary relief