Consumer complaint received 2018-11-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, at about XXXX XXXX Eastern Time, I looked at the XXXX to potentially shop for XXXX for family members. 
I saw the following advertisement on XXXX website : " GET AN EXTRA 20 % OFF your first purchase when you open & use an  XXXX XXXX   Credit Card. 
APPLY NOW DETAILS ''. 
I did apply and was approved. Att XXXX XXXXI received a confirmation email with the following information : " XXXX XXXX   <XXXX> + your first Member perk : 20 % offXXXX XXXX <XXXX> + your first Member perk : 20 % off! | View Web Version Use Promo code : XXXX Offer valid through : XX/XX/2018 Registered Email : XXXX XXXX XXXX Member I.D . XXXX ( e.g. email and last 4 digits hidden for security ) ''. 
I went to the XXXX website and selected a few items ; when proceeding to purchase, the PROMO CODE DID NOT APPLY. 
I did not know my new XXXX credit card number, and called XXXX, or XXXX CUSTOMER SERVICE. At XXXX XXXX, I spoke with XXXX, an XXXX Sales Person. The XXXX Salesman was unaware about the 20 % promotion and gave me conflicting information to when and why I should be applying the promotion. The sales man told me I must wait for the XXXX credit card to ARRIVE ON MAIL AT HOME AND THEN TO SHOP AT XXXX. I asked the Salesman can't he give me my credit card information, and he told me that my Member ID 'should be working '' as a credit card ''. This information was misleading and false. I asked to speak with his supervisor from XXXX. I was placed on hold, but the call was hanged off. 
Immediately, I called the XXXX XXXX at XXXX, since they issued the XXXX credit card. ONE NOTE HERE : IN THE EMAIL, FOR COFIRMATION OF MY XXXX CREDIT CARD APPROVAL XXXX XXXX WAS LACKING TO PROVIDE ME WITH MY CREDIT CARD NUMBER, HOW MUCH I WAS APPROVED FOR. When I called the Customer Service at XXXX XXXX at XXXX XXXX., the phone was answered by XXXX XXXX XXXX refused to provide me with my credit card number stating this is illegal. Thus, XXXX XXXX automated system recognized my SS # and provided me with my approved amouth of {$500.00}. 
I was very disappointed. XXXX XXXX AND XXXX ONLINE SHOPPING WERE INVOLVED IN A FALSE ADVERTISEMENT TO FALSLY ATTRACT CUSTOMERS TOWARD APPLYING FOR CREDIT CARDS WITHOUT THE IMMEDIATE OPPORTUNITY TO SHOP ONLINE AND TAKE ADVANTAGE IN THE FAULSLY STATED PROMOTION OF 20 % DISCOUNT ON THE FIST PURCHASE. 
As a customer, I have rights to know my credit card number immediately after approval and not waiting for the card to arrive on the mail. More so, the XXXX advertisement stated that I must be completing my purchases within THE NEXT HOUR to TAKE THE ADAVANTAGE OF THE PROMO 20 %. 
NEITHER WAS TRUE : THE XXXX XXXX advertisement on XXXX XXXX for 20 % off first purchase and the XXXX online payment system which WORKS PERFUNCTORY AND WILLINGLY PREVENTS/disallows CUSTOMERS TO apply the promised 20 % off, or register on their website the credit cards they are approved for. 
More importantly, due to the confusing and misleading advertising about the XXXX credit card ( when terms weren't clear, when I was prevented to find important information/my credit card number ), I messed up my credit score which when down. Because of the False Advertisement by XXXX XXXX and XXXX Online Sales, I applied for their store credit card and two inquiries will appear on my credit report. One, when I agreed to open the XXXX credit card at about XXXX XXXX on XXXX, due to false promises. And the second, at XXXX XXXX   on XXXX, when I asked XXXX, the customer service representative to close immediately my newly opened XXXX credit card. I asked XXXX to state the reason for closing as 'FALSE ADVERTISEMENT BY XXXX XXXX ''. XXXX from XXXX XXXX refused to accept my request and the responsibility for the False Advertisement in XXXX XXXX XXXX   illegal attempt to get more customers before the XXXX  Friday. 
I was greatly disgust by the false practices of XXXX XXXX and XXXX XXXX sale website. I am upset and greatly disappointed for messing my credit.

Company response to consumer: Closed with explanation