Consumer complaint received 2017-10-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to a XXXX to receive " XXXX XXXX '' following a XXXX pound weight gain following XXXX successive pregnancies in XX/XX/XXXX.Two resulted in XXXX & 1 in a XXXX following a XXXX at XXXX weeks. I lost the weight, but I was left with a great deal of excess skin. My friends had this procedure and recommended it. I did n't want to have something very invasive, as I had already had XXXX XXXX surgeries : a right side oophorectomy in XX/XX/XXXX that resulted in a XXXX XXXX to remove a XXXX + pound XXXX, a XXXX in XX/XX/XXXX that resulted in a XXXX abscess and the wound having to be packed for three months because it opened, and a XXXX in XX/XX/XXXX. I also underwent XXXX   XXXX in XX/XX/XXXX due to excessive XXXX XXXX. I scheduled the XXXX on my legs and XXXX. I planned to have the procedure done on my XXXX and outer thighs at a later date. I opened a credit card at the spa. The card was through XXXX. It had a {$25000.00} limit. They charged me {$10000.00}. Therefore, I do not know how much it cost to have my knees and XXXX done. Following the XXXX, I experienced a great deal of pain and a sensation that felt like bees in these areas. I still sleep with a pillow between my knees because it feels like my bones are rubbing together. It hurts to sit because my bottom does n't have much padding underneath. Then, my doctor decided that it was necessary for me to have a XXXX due to the excessive XXXX. Nothing else would help it. Not the XXXX, XXXX XXXX XXXX XXXX, nothing. So, I had a XXXX  in XX/XX/XXXX. Following the XXXX, I felt worse and worse. As it turns out, I entered XXXX even though I kept XXXX XXXX. I also have a letter from my doctor 's office stating this. I decided that I was not going to undergo this XXXX again. It did n't help, it was painful, and my abdomen had been through enough. The spa started calling me to schedule the XXXX, and I told them that I was n't going to do it. They said that I would still have to pay for it. I said that 's crazy. I asked what I needed to do to keep from having a procedure that would n't be good for me. I was instructed to get a letter of medical necessity from my doctor. So, I did this. I sent it to them. I was informed that they did n't get it. I called my doctor, and asked him to send it directly to them. He did. They still said that they did n't receive it. Finally, I got a copy, spoke to someone on the phone, and asked who the letter needed to go to. This whole time, I had been paying off the card. I sent the letter to the manager. Nothing was done. She said that they had nothing to do with the charges on the credit card. So, I started calling XXXX. Please see the letter dated XX/XX/XXXX from XXXX. They stated that they would investigate my dispute. I received a CHECK from XXXX for {$280.00} dated XX/XX/XXXX. I cashed it! There was no explanation that came with the check. XX/XX/XXXX,  XXXX sent another letter stating that XXXX responded that they would not be issuing any credits to my account. ( They had already sent me a check! ) They also said that all services were received on XX/XX/XXXX, which was absolutely not true. I did not have any work done on my stomach or outer thighs. Therefore, I should not be charged the entire {$10000.00}. I was told to contact the service provider ( the spa ) directly. Back to square one. I contacted them again. Nothing. I contacted XXXX again. I received a letter dated XX/XX/XXXX stating that they were informed that services were completed, and I decided to have services performed on a different area than I originally requested. Where did I have the XXXX then? They also stated that I had been issued a provisional credit ( a check is not a provisional credit ), and it would be removed on my next statement. So, I hired an attorney after going back and forth for months of false information being given out. Then, I went to a clothing store to use my credit card that I had held since XX/XX/XXXX. ( It also happened to be run by XXXX XXXX. ) I was informed that I could not use the card as I was " in bankruptcy. '' My lawyer wrote this company to inform them that I am not in bankruptcy and to remove the freeze on my account. They replied and stated that they reinstated my credit limit of {$860.00}. ( Now, I have paid off this card, and I have called to cancel it twice. I have not been allowed to CANCEL this card!!! I have spoken to two different representatives who have transferred me, and then I wind up with voicemail ... ). So, I was left with no other recourse than to file a claim against the spa. The claim is attached in its entirety. Everything is there in black and white. I still have not been able to obtain my medical records/billing information from the spa. According to my lawyer, the spa had 30 days to respond to the claim. This would have beenXX/XX/XXXX. They did n't respond until XX/XX/XXXX. In the meantime, XXXX or XXXX has been sending out information that has impaired my credit. Please see the letter from XXXX XXXX regarding my XXXX card. My credit limit was lowered to {$200.00}, even though I have never been late. I then obtained a copy of my credit report from XXXX. The first two " negative '' items are not an issue. 1. ) I do not own a XXXX anymore. I turned in my XXXX XXXX XXXX in XX/XX/XXXX. I now own a XXXX XXXX XXXX XXXX. That is listed on the credit report as open/never late. 2, ) Also our mortage was bought out twice. ONce, and then again. It is now held by XXXX XXXX. Again, open/never late. 3. ) This is the store credit card owned by XXXX. 4. ) This is the card that I am disputing the charge for. Nothing else on my credit report is bad. This has drastically lowered my credit rating. This company should not be allowed to send this information out while the charge is being disputed in court. PERIOD.

Company response to consumer: Closed with explanation