Consumer complaint received 2019-04-23
Company: Bread Financial Holdings, Inc.
State: TX
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:
XXXX XXXX inability to properly execute a conversion of systems is not nor should evolve to the detriment to any customer ( prior, current or future ). Nor this inadequacy constrain the purchasing power of any unrestricted account. 
They were advised many times within the bricks and mortar stores and on the phone of their error but none of their employees would listen, take notes or make any attempt to rectify their error. 
They have been told on numerous occasions that they have comingled two accounts into one. They refused to listen. 
In XXXX, XXXX, XXXX XXXX XXXX, ( SS # XXXX-XXXX-XXXX  ) born XX/XX/XXXX together with me, his wife as co-applicant XXXX XXXX, ( SS # XXXX-XXXX-XXXX ), opened an account with XXXX XXXX ( XXXX XXXX ) ultimately sold to you as Account ending in XXXX.. 
Apparently years after that XXXX XXXX XXXX. ( SS unknown ) born XX/XX/XXXX opened an account with XXXX XXXX ( XXXX XXXX ) and his account was apparently also sold to them ( current account number unknown ). 
Upon conversion of operating systems they obviously deleted the owner of my account ( XXXX XXXX, XXXX Social Security number ending in XXXX and added the inaccurate social security number. When I tried to visit about my account or have the store look up my account if I did not have my card with me I was told that neither me or my husband had access as we were not the account holders. The person for whom they had as the account holder of OUR account was XXXX years old when we contracted for our account. 
I paid our account balance off in XXXX, XXXX. It seems Mr. XXXX, XXXX OR someone purporting to be Mr. XXXX , XXXX went to the store and asked for his account to be looked up so he could make purchases in XXXX, XXXX. Apparently this person had the accurate social security number and presented the appropriate identification. WITHOUT OUR AUTHORIZATION, THE BANK AND STORE ALLOWED THAT PERSON TO PURCHASE ON OUR ACCOUNT. 
NO ONE OTHER THAN MY HUSBAND ARE AUTHORIZED USERS ON OUR ACCOUNT. IN FACT I AM PROBABLY THE ONLY PERSON WHO HAS EVER PURCHASED ANYTHING ON THIS ACCOUNT. WHOEVER MADE THESE PURCHASES DOES NOT LIVE WITH US ; DOES NOT AND HAS NEVER SIGNED ON THE BANK ACCOUNT WHICH HAS PAID THIS ACCOUNT SINCE INCEPTION. 
TO REITERATE THE PERSON YOU SHOW AS THE MALE ACCOUNT HOLDER WAS TOO YOUNG TO CONTRACT TO OPEN THIS ACCOUNT IN XXXX SO THIS CONTRACT IS INDEED VOID. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( representative ) said that I did have the right to visit with the bank. Really, I have walked out of XXXX XXXX not able to make purchased on many occasions. However, the bank, XXXX XXXX is reporting this account on my credit report. 
My husband nor I made the charges. We did not authorize the charges. We do not know who did, but a person who was XXXX at the initiation of this account is not the owner of this account and any purchases made by this person should not be as an account holder of OUR account! 
I have closed this account after all these years of being an exceptional customer. 
I am not in contact with Mr. XXXX XXXX XXXX, XXXX. 
I requested that XXXX XXXX ( XXXX XXXX ) cease reporting incorrect and possibly fraudulent charges to all Credit Reporting Agencies immediately. This has not been done. I asked them to forward a confirmation and explanation of what you are doing to rectify this situation. The is possible Age Discrimination as they have patronized me and treated me as if I just didnt remember what happened since it was so long ago.

Company response to consumer: Closed with explanation