Consumer complaint received 2019-04-30
Company: Bread Financial Holdings, Inc.
State: VA
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:
From : YouSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Account StatusMessage ID:XXXX IT WAS NOT RESOLVED I AM CONTACTING THE XXXX XXXX XXXX AND THE STATE ATTORNEY GENERALS OFFICE YOU DOUBLE BILLED ME AND WONT TAKE IT OFF TOTALLY ILLEGAL From : XXXX XXXXSent : Tuesday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Account StatusMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

I see that you also contacted our customer service department on XX/XX/XXXX, and your matter was resolved. I'm happy to hear that. Please let me know if there's anything else I can do for you. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- tHE BALANCE ON MY ACCOUNT IS {$140.00} ACCORDING TO MY XX/XX/XXXX STATEMENT. 

mY PURCHASE OF {$310.00} IS POSTED AS IS THE {$39.00} MAKING MY BALANCE {$490.00} UNLESS YOU HAVE SOMETHING ELSE THAT I HAVE NOT AUTHORIZED MY BALANCE IS INCORRECT ACCORDING TO YOUR RECORDS?? 

THIS GREATLY CONCERNS ME AND I HAVE MADE A PAYMENT OF {$75.00} I WANT AN ITEMIZED STATEMENT ON MY ACCOUNT FROM XX/XX/XXXX FORWARD SINCE I CAN NOT FIGURE OUT WHAT YOU ARE TALKING ABOUT AND YOU OBVIOUSLY ARE NOT AWARE YOU HAVE ALREADY CHARGED ME. 

See below : XX/XX/XXXX {$310.00} {$0.00} {$0.00} {$0.00} {$310.00} XXXX XX/XX/XXXX {$200.00} {$0.00} {$5.00} {$0.00} {$210.00} XXXX XX/XX/XXXX {$39.00} {$0.00} {$0.00} {$0.00} {$39.00} XXXX XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} XXXX XX/XX/XXXX {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} SIMPLE MATH AND I WANT THIS CORRECTED IMMEDIATELY!!! 

From : YouSent : Monday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Re : Account StatusMessage ID:XXXX tHE BALANCE ON MY ACCOUNT IS {$140.00} ACCORDING TO MY XXXX STATEMENT. 

mY PURCHASE OF {$310.00} IS POSTED AS IS THE {$39.00} MAKING MY BALANCE {$490.00} UNLESS YOU HAVE SOMETHING ELSE THAT I HAVE NOT AUTHORIZED MY BALANCE IS INCORRECT ACCORDING TO YOUR RECORDS?? 

THIS GREATLY CONCERNS ME AND I HAVE MADE A PAYMENT OF {$75.00} I WANT AN ITEMIZED STATEMENT ON MY ACCOUNT FROM XX/XX/XXXX FORWARD SINCE I CAN NOT FIGURE OUT WHAT YOU ARE TALKING ABOUT AND YOU OBVIOUSLY ARE NOT AWARE YOU HAVE ALREADY CHARGED ME. 

See below : XX/XX/XXXX {$310.00} {$0.00} {$0.00} {$0.00} {$310.00} XXXX XX/XX/XXXX {$200.00} {$0.00} {$5.00} {$0.00} {$210.00} XXXX XX/XX/XXXX {$39.00} {$0.00} {$0.00} {$0.00} {$39.00} XXXX XX/XX/XXXX {$110.00} {$0.00} {$0.00} {$0.00} {$110.00} XXXX XX/XX/XXXX {$120.00} {$0.00} {$0.00} {$0.00} {$120.00} SIMPLE MATH AND I WANT THIS CORRECTED IMMEDIATELY!!! 

From : XXXX XXXXSent : Sunday, XX/XX/XXXX XXXX XXXX ( ET ) To : YouSubject : Re : Account StatusMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your account is {$750.00}. 
Since, there is an unposted transaction of {$310.00} ; your available credit limit is {$0.00}. Also, the current balance on your account is {$490.00}. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, I. XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- I have a limit of {$750.00} I have {$490.00} charged and it is showing XXXX available??? Why?? 

I have not missed a payment and pay more than what is expected every month? 

Is there a Charge I am not seeing? 

Thanks, XXXX XXXX From : YouSent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : XXXX XXXXSubject : Account StatusMessage ID:XXXX I have a limit of {$750.00} I have {$490.00} charged and it is showing XXXX available??? Why?? 

I have not missed a payment and pay more than what is expected every month? 

Is there a Charge I am not seeing? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation