Consumer complaint received 2018-10-12
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called XXXX XXXX regarding to the XXXX XXXX XXXX  card statement that was sent to me ( See Attached ). The credit card statement credited {$160.00} which made my credit balance {$500.00} and approved credit {$500.00}. I also received a reward for {$10.00}. On the website XXXX XXXX has {$100.00} available credit and I wanted them to explain how I spent {$390.00} out of {$500.00} credit ( See Attached ). XXXX XXXX reward system is misleading, false advertisement, credit card fraud and deceptive. XXXX  allowing strangers to use my store credit card? Or rewards? I called Comenity Bank today and the customer service couldnt answer my questions protecting deceptive and misleading practices from XXXX XXXX. The customer service agent wanted me to blame XXXX XXXX customer service, Why? As the XXXX XXXX customer agent tried to explain the available balance {$100.00}, the customer service agent tried to add and subtract that I was credited {$160.00} - {$220.00} ( I purchased ) which left a credit balance of {$100.00}, as you can see that dont add up and it doesn't explain available balance, the incompetent by XXXX XXXX employees is disappointing and troubling and need to be investigated Like I said that dont explain the available balance {$100.00} as if I spent {$390.00}. Not only I dealt with such unprofessionalism, but one customer service agent tries to talk to me about the XXXX! WOW! Why hire workers that cant add or subtract, and very sarcastic and rude, I hung up the phone dealing with such abusive and nefarious behavior. As a XXXX with a XXXX XXXX I despise unprofessional, incompetent and nefarious agents as I experience by XXXX XXXX who hires account managers that cant count and take 3 months to resolve. 
XXXX sent a letter to CFPB and I claiming they would straighten this matter out within 90 days however they proceed with the corrupt reward system which is fraudulent regarding to my purchases, most banks dont take that long to correct an issue. On XX/XX/2018, XXXX XXXX responded to the complaint that their dispute investigations may take up to 90 days to complete, and notification of the outcome will be sent by mail once the investigation has concluded, they are trying to be deceptive with their practices. Its my belief that they are trying to scam me they are not correcting their fraudulent reward system and credit balance. 
I am filing with DOJ, FTC, consumer protection, scam alert and possible court legal options for retaliation. I am sending a copy of this letter to my Congressman, this is a possible scam, also. All my complaints with CFPB will be added to agencies and the court for legal options, also. I believe XXXX XXXX is stalling because they are discriminating against me due to my race and XXXX, no bank takes 90 days and yet still collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetency and retaliation ( because I filed a complaint ) should not be hidden behind deceptive practices. CFPB and XXXX XXXX is not working to correct the issue with my reward points and credit card balance.

Company response to consumer: Closed with explanation