Consumer complaint received 2019-10-13
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2019 I went to XXXX website to buy bedroom furniture. They advertised a 6 Months Interest Free offer on purchases over a certain amount ( I think 500.00 ). We had the money to buy the bedroom outright but I wanted to build on my own credit so I applied. During the purchase process, I never noticed that they DECLINED my application. All I saw was the charges going through and the purchased completed. To my surprise, the next week I received a credit card in the mail from XXXX. I didn't understand why but assumed they were giving me a credit card for future purchases. I just held onto the card assuming it was there when I wanted to use it. 

I didn't get a paper statement until AFTER I made my first payment online of {$100.00} on XX/XX/19. I just filed the XXXX statement away. The second statement in XXXX came and I noticed a late fee of {$14.00} and assumed the fee was being recorded until the last payment came in prior to the 6 mo. deadline and just ignored it. I even received an email ( XX/XX/19 ) on the XXXX Secure Message Center stating this .... 

" Dear XXXX, At Comenity Capital, we are committed to providing you with clear and timely information about your Account. We have important news regarding promotional plans you may be offered. To view this information, please select the View Document link below and save a copy for your records. If you have any questions, you can reply to this message. View Document Thank You, Customer Care '' So I assumed I had the promotional plan and they were going to offer me some more to keep my business coming in. 

I didn't get suspicious until XXXX when I decided to call XXXX and double check the deal I got ( or thought I got ). I had to call two times and even when I did I was passed from XXXX to their bank, Comenity and back again. 

On XX/XX/19 I talked w/ XXXX , XXXX and XXXX . Finally I was told that I wasn't given the 6 Month Promotion but would have someone contact me about it. They began a claim for me that day. 

I got a letter on XX/XX/19 from Comenity Bank and they acknowledged they would look into the matter and get back to me after the investigation. 

I got a letter on XX/XX/19 from Comenity Bank saying " Your purchase ( s ) did not qualify to be placed on the requested promotional plan ( s ) and was THEREFORE APPLIED to a revolving credit plan ( s )  for one or more of the following reasons ... XXXX '' I never ASKED for a revolving credit card and frankly I didn't need one. I had a credit card and debit card I could easily have used to pay off the purchase at the time. This WAS NOT CLEAR TO ME AND RESENT HOW THEY UNDERHANDEDLY WENT ABOUT STICKING ME WITH A CREDIT CARD! 

I have tried many times to deal with XXXX and Comenity and have documented the whole thing. On XX/XX/19 I sent a certified letter to Comenity Bank 's HQ, even paid off the account and asked them to close my credit card and will take them to small claims court if they don't reverse the interest fees ( that are currently at {$41.00} as of this writing ) by XX/XX/19. I have not heard anything from them at this writing. 

They have no right to deceive me and charge me interest without my CLEAR AND CONCISE CONSENT!

Company response to consumer: Closed with explanation