Consumer complaint received 2018-01-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On SundayXX/XX/XXXX, I received an advertisement via email to view a product called XXXX while watching the advertisement at the end there was a promotion to purchase the item for XXXX as soon as I advanced to the next screen on my mobile device it begin jumping around causing the phone to shut off. Upon the phone coming up I received a couple of emails congratulating me for not 1 but 2 purchases from a company called XXXX XXXX via email from XXXX and XXXX XXXX. All of which are affiliates of this company who is running a complete scam and attempting to steal from via PayPal credit card services. I notified PayPal resolutions department and they too seem to be giving me a run around concerning this. After receiving the phone number from a rep at PayPal credit to contact the merchant on Monday XX/XX/XXXX I did that. The merchant informed me the item will be cancelled. I asked for confirmation the representative stated they dont give confirmations they cancel and I will see it on my PayPal account. I checked my account hours later and no credit. I called them back and another representative stated give it a while longer and twelve hours later around XXXX on XX/XX/XXXX I begin receiving emails from the company representatives showing them responding to an email dated forXX/XX/XXXXwhich is today, that they shipped the items and cant cancel it and for me to reject delivery. I responded to them XXXX dont allow consumers to reject shipments from senders only senders can stop their own shipments. This is an attempt from them to make me take a product they claim theyd cancel by sending it anyway and claiming I received it. To justify their theft by deception and fraudulent attempt to receive compensation for an unauthorized purchase. I informed them if they send it Im currently in Virginia not Georgia and theres no way for me to return an unauthorized shipment. I also advised them if they dont contact XXXX  and stop it themselves. It will be delivered and it may be stolen because Im not in Ga and will not be held liable for their error and lies. I also notified Pay Pal credit resolutions Dept who are giving me a run around as well. However as of yesterday and today they have reached out to this company too and it shows on my account theyre waiting on a response. This kind of business is fraudulent and use tactics in an effort to defraud consumers by lying and charging credit cards for cancelled purchases. Then trying to make the consumer send back unauthorized purchases via mailing carriers that cant be cancelled by consumers only by them. All this company had to do was cancel the transaction as theyd stated and give confirmation not steal by lying to an innocent consumer and charging a credit card for unauthorized transactions by sending a supposedly cancelled product the very day Mon XX/XX/XXXX they were notified of the unauthorized transactions as well as notified me they had cancelled the transaction. I really need you all to help me because this is theft by deception and fraud and this company needs to be stopped. This could ruin my credibility and these folks continue to operate on a daily basis. Scamming, deceiving and stealing from consumers like me. I have notified them I will file this complaint to shed light on their awful business practices so they cant continue defrauding people.

Company response to consumer: Closed with explanation