Consumer complaint received 2018-05-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have four ( 4 ) accounts managed/handled by XXXX XXXX. Two ( 2 ) of the accounts haven't been used for quite some time. The other two ( 2 ) are used on a regular basis ( XXXX XXXX and XXXX XXXX ). I have held all these accounts for quite some time and have maintained a good standing status with them all. 

I made a purchase of men 's shirts from XXXXXXXX XXXX on XX/XX/XXXX, one of which was on sale for {$24.00}. I needed to return the shirt for exchange. When that transaction appeared on my statement dated XX/XX/XXXX I had been charged full price for the replacement rather than the sale price. The date of that charge is XX/XX/XXXX. On XX/XX/XXXX I contacted the number on the statement to address this overcharge to be greeted by a rude associate who was unwilling to assist me. I requested a supervisor that took 2 more transfers to get. I became frustrated and was, admittedly, not kind. The end result was that the manager connected with a representative at XXXX XXXX who credited the {$20.00} overcharge. I thought this was the end of the issue. 

I received a letter dated XX/XX/ from XXXX advising that my credit limit on the XXXX XXXXXX/XX/XXXXaccount had been reduced from the {$610.00} indicated on my XX/XX/XXXXstatement to {$100.00} citing a " significant decrease in credit score '' as the reason. I found this odd in that my credit monitoring service did not indicate any decrease. I have attached a copy of that letter for your reference. 

On XX/XX/XXXX I paid the balance due on this account to bring the account to {$0.00}. The payment was made via XXXX 's website. At that time I made a request to close the account as I felt the reduction in my limit was retaliation for the altercation during theXX/XX/XXXX telephone call. Unfortunately, I didn't keep a copy of that request. I received a letter dated XX/XX/XXXX advising that the XXXX XXXX account had been closed. 

Today, XX/XX/XXXX, I attempted to make a purchase on XXXX XXXX 's website and pay with my XXXX XXXX account. My card was declined. I contacted XXXX XXXX 's customer service number indicated on my card to inquire the reason. I was transferred to XXXX where I was advised that my XX/XX/ request to close the XXXX XXXX account resulted in all my accounts being closed. As of this date, I have received no communication from XXXX to advise of such. As is indicated in the attached notification of the closure of the XXXXXXXX XXXX   account, there is no mention of the other accounts managed by XXXX. My XXXX XXXX statement dated XX/XX/XXXX indicates I have $ XXXX in available credit and has no indication there is an issue with my account. 

While the XXXX representative advised that I can submit a letter to them to request the XXXX XXXX account be re-instated, I feel the activity delineated above has been unfair to me as a consumer. Further, I fear making that request will result in another reduction of a credit limit that, as I understand, would be yet another detrimental reporting to my credit score ( s ).

Company response to consumer: Closed with explanation