Consumer complaint received 2017-06-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had submitted an online scheduled payment for a Victoria Secret credit card through comenity bank on approximately XX/XX/XXXX to be debited from our bank account on the due date of XX/XX/XXXX. On XX/XX/XXXX due to extenuating circumstances outside off my control I had to change the scheduled online payment from XX/XX/XXXX to XX/XX/XXXX despite the actual due date being XX/XX/XXXX. On XX/XX/XXXX I had logged into my bank account to check it and noticed there was a debit to my account that had actually posted for XXXX from comenity bank for the Victoria secret credit card payment that was NOT supposed to be taken out until XX/XX/XXXX. The money did not even show as processing as it normally had in the past on XX/XX/XXXX, in fact it did not show up at all until it simply had posted to our account and paid on XX/XX/XXXX so I could not reverse the charge while in process. This could have caused our account to bounce and HAS NOW caused us to have no funds available for another 1 1/2 weeks until our next payday that we did not plan for and have no other recourse or funds to live off of until XX/XX/XXXX UNLESS the charge is reversed. I have had it with credit card companies and XXXX XXXX XXXXXXXX being dishonest and allowing unauthorized debits regardless of whether I owe money to a credit card company or for a debt or not. I have had thousands now being n essence stolen and be told since I owe money they do n't have to give back the unauthorized charges. Let me make this clear, I have every intention of paying money owed but I have been unable to work or had a lapse in pay at various times over the last few year due to multiple injuries and for companies to partner in just taking money out of your account without authorization to do so just because you owe money IS WRONG! XXXX XXXX XXXX even told me when I had stopped automatic payment on certain credit card accounts and changed my debit card numbers that it actually GIVES your new numbr to the credit companies and they just take it upon themselves to start up your automatic payments again ... WITHOUT MY CONSENT!!! They just make it look like online you did it and have no way to prove it usually ... ..consumer suffering financial hardships word over creditor ... ... THIS NEEDS TO STOP!!! I have been incapacitated from work since XX/XX/XXXX and have not been receiving money due to my injuries from work since XX/XX/XXXX. This is my first complaint to the FTC regarding these issues and this has caused us great harm by this company deliberately refusing to reverse the {$100.00} charge that was NOT authorized despite the screenshots I took the day I changed the scheduled date. Due to this company abusing when they actually had been authorized to debit our new checking account, this caused me to be unable to pay for the necessary medical treatment co-pays needed that was budgeted between XX/XX/XXXX and the next payday of XX/XX/XXXX. The company was made aware of this problem and had I not checked our account to see if outstanding checks had come out this could of caused significant charges and increased economic harm during a time of already significant financial hardship. The ONLY reason why I entered our bank account number for this scheduled payment was so the company did not call me to bother me for a payment since it was a little past due, they would be able to see I had a scheduled payment set up for XX/XX/XXXX of {$100.00} since that was the amount due at the time I set up the payment. Comenity is also the bank that carries the Zales credit card accounts which we also carry with them, I had called the company on or around XX/XX/XXXX and had stated I would set up a payment online for Victoria secret and I did not authorize the agent to set up any payment. I had at the time informed the companies of my current XXXX due to an injury that made it where I was not able to work this year so far after XXXX for the reason why I was late on both cards payments. Our Zales account has debt protection and I had asked to obtain the number to activate the debt protection. I was transferred to a number that simply hung up after a brief statement that was by 'XXXX XXXX ' and it gave no other number to call. I had spent almost 2 hours getting hung up on, given wrong numbers, given the number for who was supposed to be the insurance company for debt protection but I was told by their representative Zales is no longer their customer then given the same number for zales credit card again where I kept getting transferred to the XXXX XXXX or hung up on, told it was the wrong number even though it ended up being the right number to file a claim. Apparently we have been paying for account protection that is n't what we were told it was and do not remember being informed of the change either. In short, this company was well aware due to both credit cards of our circumstance and forced an unauthorized payment and this is not the only company doing this to either make more money or make sure they illegally use information that most of the time they get away with, this was the last time as a person that has been suffering with XXXX companies take advantage of online information for their benefit and banks allow it even after you inform them. .

Company response to consumer: Closed with explanation