Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had fallen behind on payments to my XXXX store credit card, issued by XXXX XXXX. I called XXXX XXXX in the third week of XX/XX/2018 to arrange for an automatic payment to come out of my checking account and apply as a payment on my XXXX account. I was told by the customer service agent at XXXX XXXX that the amount of {$87.00} would be taken electronically out of my checking account on XX/XX/2018 and applied to my XXXX account. I was told that this payment would reage the account and that I could start making the minimum or more in payments on the account starting on the XX/XX/2018. The money was taken from my checking account automatically, as agreed upon, and applied to my XXXX account. Since making the initial phone call in XXXX, I have been receiving a text every other day and 5 to 10 phone calls a day from XXXX XXXX regarding my account. A voicemail from a representative of XXXX XXXX was left on XX/XX/2018 from number XXXX ( XXXX ) XXXX ext. XXXX. The voicemail stated that I was " deliberately ignoring the problem of my overdue account '' and " demanded to get my attorney 's name and number because I was going to need it due to the drastic action she was going to take against me. '' She never stated she was from the collections department, mentioned the payment agreement in my file or said she was from a third party collections agency. I recieved another phone call today ( XX/XX/2018 ) around XXXX from XXXX XXXX and they told me that my account was past due and that it needed to be brought up to date. I explained about the payment agreement put in place by them in XX/XX/2018 and she said that " she had no idea how someone came to that number ( the {$87.00} to reestablish my account in good standing ), that it wouldn't reage the account and that the payment didn't count. '' I told her that another representative had left a voicemail demanding the name and number of my attorney because they were going to take legal action against me and that I was ignoring my responsibilities, when I clearly wasn't as evidenced by my payment on XX/XX/2018. The representative scoffed and said that " the voicemail didn't day that and if the other representative asked for my lawyer 's information it was because I had told them I was going through a bankruptcy '' which I told her was not the case. She accused me of lying to her and to " pay the bank nearly {$200.00} today with her over the phone or she was going to make sure it got taken care of, '' which was even more menacing than the voicemail. I couldn't believe she said that so I told her " goodbye '' and hung up the phone. In a nutshell, I fell behind by 2 months on a XXXX   credit card issued by XXXX XXXX, called and made arrangements in XX/XX/2018 to make an automatic payment of {$87.00} towards reaching and bringing my account current and would be making another regular monthly payment on the XX/XX/2018. The payment was made, my account was credited but I have since been harassed by 5 to 20 phone calls a day, terrorized with the threat of a lawsuit, calked a liar, been told that my arrangement with them in XX/XX/2018 was invalid and that unless I paid them more money that drastic action would be taken against me. I need help badly.

Company response to consumer: Closed with explanation