Consumer complaint received 2018-07-23
Company: Bread Financial Holdings, Inc.
State: FL
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:
My partner and I went on the XXXX XXXX cruise ship out of XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX. We stopped in XXXX XXXX, the first port on the itinerary. 

According to XXXX 's Shopping Guide, she highly recommended XXXX 's XXXX for their quality jewelry and discounted prices. We took her advice and stopped in XXXX 's XXXX in XXXX XXXX to purchase two ( 2 ) XXXX XXXX watches. 

After selecting the watches we wanted to purchase, we were ready to check out. However, the salesmen brought us to a jewelry counter and provided us with seats and proceeded to open champagne, and showed us jewelry we had no interest in. We told them we could not afford anything they were showing us. After several glasses of champagne, we were not thinking clearly ( XXXX ). And we were not in any frame of mind to make any major purchases. 

We told the various salesmen who were at our disposal, that we are Senior Citizens with low fixed incomes, and we did not want to purchase anything, except the two ( 2 ) XXXX XXXX watches. 

We were extended credit that we never should have qualified for. However, we left this store with {$150000.00} of unwanted jewelry which is a perfect example of their predatory business practices. 

While at XXXXXXXX XXXX XXXX XXXX in XXXX XXXX, we were not told of their return and refund policy. We tried to return the jewelry the next day in XXXX, and we were informed there were no refunds, only a store credit could be issued. 

We have been deceived by XXXXXXXX XXXX XXXX XXXX salesmen. They took advantage of two ( 2 ) Senior Citizens, and never told us of the no refund store policy, only a store credit would be issued. 

When we returned home from the cruise we had contacted Kerryclare, Customer Service Rep in the Corporate Offices of XXXXXXXX XXXX XXXX in XXXX XXXX XXXXXXXX. To return all the jewelry we couldn't afford, she offered us a store credit of {$150000.00}. 

We had all the jewelry independently appraised which cost {$2600.00} and sent copies to XXXX. Apparently, I needed to have the jewelry appraised by an approved appraiser on XXXX XXXXXXXX XXXX list. XXXX gave us an appraiser on her list. 

We brought all the jewelry to XXXX  XXXX ( XXXX XXXX approved appraiser ) and she said she would get back to us in a couple of weeks. XXXX  called us saying she could not do the appraisal because of XXXX XXXXXXXX XXXX failure to send her a price guide, even after repeated requests on her part with XXXXXXXX XXXX XXXXXXXX. 

We have done everything we possibly could to remedy the situation. We have lost complete faith and trust In XXXXXXXX XXXX XXXXXXXX. By the way, XXXX left XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Now, XXXX is the new Customer Service Rep in XXXX XXXX XXXXXXXX. 

This ongoing saga has left us both physically and emotionally ill. The only recourse left is for XXXXXXXX XXXX XXXXXXXX to take back all their jewelry and issue us a full credit to our accounts. This has been a grueling and unpleasant situation for us. 

Thanking you in advance for the attention you give to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation