Consumer complaint received 2023-01-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2022 i went to The XXXX XXXX in XXXX XXXX XXXX  to purchase uniforms for my kid. When i go to pay for my items the cashier says if you sign up for a XXXX rewards card youll get {$20.00} off your transaction. I said ok cool. So while shes processing the account she asked for my license and then she called somebody on the phone. After speaking to whomever she was speaking with, she gave me my license back and said i was approved for {$300.00} credit limit. I asked maam did you just sign me up for a credit card? She paused and slowly said yes. I told her i didnt want a credit card, i dont own any and if she would have said it was a credit card i would have said no. I told her cancel it because i didnt want it. She said she couldnt cancel it. I would have to call and cancel. i was in the middle of buying a house and didnt want to mess up my credit score. She then explained i wouldnt have to pay anything unless i used the card no monthly fees or anything. she then asked did i want to use the card to make the transaction and i said no because Im going to cancel it. So i swiped my debit card and a receipt comes out. I called the number she provided to cancel it and the supervisor was rude and said it was nothing they can do and that they can close my account but it will drop points on my credit score. XXXX months later i started getting calls so i kept blocking the different numbers i thought it was a scam. So i finally googled the number and it came back to comenity bank. So i called them to ask why they keep calling? They said i owed {$150.00}. I told them i didnt owe anything. I said somebody else must be using the account. I said I never even received a credit card or statement at my in the mail. I then found out they had the wrong address and never updated it until later when i told them i was recording the conversations. I checked my bank statement and my debit card never paid for the transaction. I called the manager of the XXXX place and explain what happed. She pulled up my receipt then she also explain that when you sign up for the card it automatically pays for the transaction. She also said there was nothing she could do about the fees and credit card etc. I asked her so why did the cashier ask me if i wanted to use the credit card like i had a choice? She said she didnt know. I then called comenity bank back and explained what happened. They kept telling me they couldnt help me until I made a payment. I told them i will only pay for my transaction at the store because they didnt use my debit card like I thought and I didnt authorize the store to create a credit card account or purchase the items with the credit card account. nobody told me the transaction would go on the credit card account. the first and only statement i received was when i closed the account and the guy agreed that i can pay the transaction fee and they would waive the rest and then would close the account ( I have an audio recording of the phone call that took place ). I paid the transaction amount and closed the account. In which I found out the payment I paid was more than the transaction amount. The next day they sent me a bill stating what i paid and that i still owed. They never did an inquiry on my credit reports. They only then reported i owed money, {$110.00}. And now they are saying i made another payment which is not correct, i only made that XXXX payment in XXXX for {$85.00} that I thought was the transaction fee but it was more. I have the recording of when the guy agreed to waive all the fees if i pay the transaction amount and it would be a XXXX balance after.

Company response to consumer: Closed with monetary relief