Consumer complaint received 2018-10-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX approved me with store credit card by XXXX. XXXX XXXX reward system is false advertisement regarding to the reward point system. I contact XXXX XXXX with this concern since XXXX however 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. On XX/XX/XXXX, 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 because they are charging me monthly for payment however they are not correcting their fraudulent reward system. 
I am filing with DOJ, FTC and consumer protection and legal options. 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 take 90 days and collect a monthly fee with trying to cover up their deceptive practices. XXXX XXXX Account manager incompetecy 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. 
I refuse to order until they correct this problem with the reward system which is fraudulent. I am dropping this case because the matter isnt correct however fraudulent. This reward system needs to be investigated and reported. 
XXXX reward system is wrong and incorrect ( see attached ) XX/XX/XXXX XXXX points XXXX XXXX gave me {$30.00} rewards I never used ( See Attached ) I had XXXX points XX/XX/XXXX XXXX XXXX correct it by decreasing my points to XXXX ( then XXXX decrease my rewards for no reason taking away XXXX reward points XX/XX/XXXX I was sent an email by XXXX XXXX that my points were adjusted to XXXX ( See Attached ) XX/XX/XXXX XXXX points and the return XXXX points XX/XX/XXXX I earned another XXXX points because of my purchase. 
XX/XX/XXXX XXXX XXXX sent me another rewards {$30.00} My rewards points should have been XXXX points and I shouldve been sent {$40.00} rewards certificate on XX/XX/XXXX not a {$30.00} rewards certificate which is fraudulent against their own policies. I will have to file with the court system and contact a lawyer if they refuse to correct which is causing me distress and anxiety as I am XXXX person who is diagnosed as such and as an XXXX XXXX discriminating against my civil rights. The violation of the Credit Card Accountability Responsibility and Disclosure Act ( or Credit CARD Act ) was passed by the United States Congress in XXXX, expanding on the Truth in Lending Act, and took effect in XXXX. Its purpose was to curtail deceptive and abusive practices by credit card issuers. 

Attached Emails from XXXX XXXX  my rewards XXXX XXXX XXXX rewards points breakdown XXXX XXXX  sent me first rewards for {$30.00} Three credit reporting agencies DOJ/Congressman NAACP Consumer Protection from Scam Investigative Media Court/Legal

Company response to consumer: Closed with explanation